2022 Q4 Form 20-F Financial Statement
#000129281423001671 Filed on April 20, 2023
Income Statement
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| Revenue | $1.451B | $4.792B | $636.0M |
| YoY Change | 128.08% | 182.22% | 213.96% |
| Cost Of Revenue | $457.0M | $1.724B | $209.4M |
| YoY Change | 118.23% | 255.93% | 196.79% |
| Gross Profit | $993.6M | $1.663B | $426.6M |
| YoY Change | 132.92% | 37.03% | 223.13% |
| Gross Profit Margin | 68.5% | 34.7% | 67.07% |
| Selling, General & Admin | $743.9M | -$1.197B | $318.1M |
| YoY Change | 133.89% | -235.78% | 178.07% |
| % of Gross Profit | 74.87% | -71.99% | 74.56% |
| Research & Development | |||
| YoY Change | |||
| % of Gross Profit | |||
| Depreciation & Amortization | $9.882M | $35.58M | $6.443M |
| YoY Change | 53.38% | 105.21% | 76.76% |
| % of Gross Profit | 0.99% | 2.14% | 1.51% |
| Operating Expenses | $1.215B | -$1.197B | $515.1M |
| YoY Change | 135.95% | -186.51% | 226.37% |
| Operating Profit | -$221.7M | $2.860B | -$88.50M |
| YoY Change | 150.55% | -1780.8% | 242.94% |
| Interest Expense | $1.548B | ||
| YoY Change | |||
| % of Operating Profit | 54.12% | ||
| Other Income/Expense, Net | $0.00 | ||
| YoY Change | |||
| Pretax Income | -$221.7M | -$308.9M | -$88.50M |
| YoY Change | 150.55% | 81.53% | -22.21% |
| Income Tax | $75.87M | $55.73M | -$22.23M |
| % Of Pretax Income | |||
| Net Earnings | -$297.6M | -$364.6M | -$66.08M |
| YoY Change | 350.4% | 121.0% | -38.28% |
| Net Earnings / Revenue | -20.52% | -7.61% | -10.39% |
| Basic Earnings Per Share | |||
| Diluted Earnings Per Share | -$0.06 | -$0.08 | -$14.32K |
| COMMON SHARES | |||
| Basic Shares Outstanding | |||
| Diluted Shares Outstanding |
Balance Sheet
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| SHORT-TERM ASSETS | |||
| Cash & Short-Term Investments | $3.959B | $3.959B | $177.0M |
| YoY Change | 2137.15% | 2137.15% | |
| Cash & Equivalents | $1.177M | $1.177M | $2.827M |
| Short-Term Investments | |||
| Other Short-Term Assets | $61.74M | $61.74M | $15.96M |
| YoY Change | 286.92% | 286.92% | |
| Inventory | |||
| Prepaid Expenses | |||
| Receivables | |||
| Other Receivables | |||
| Total Short-Term Assets | $4.542B | $4.542B | $192.9M |
| YoY Change | 2254.5% | 2254.5% | |
| LONG-TERM ASSETS | |||
| Property, Plant & Equipment | $46.46M | $46.46M | $20.54M |
| YoY Change | 126.27% | 126.27% | |
| Goodwill | $397.4M | $401.9M | |
| YoY Change | -1.11% | 48260.05% | |
| Intangibles | |||
| YoY Change | |||
| Long-Term Investments | $13.51B | $13.51B | $12.47B |
| YoY Change | 8.37% | 8.37% | |
| Other Assets | $968.5M | $968.5M | $436.9M |
| YoY Change | 121.66% | 121.66% | |
| Total Long-Term Assets | $25.39B | $25.39B | $19.67B |
| YoY Change | 29.12% | 29.12% | |
| TOTAL ASSETS | |||
| Total Short-Term Assets | $4.542B | $4.542B | $192.9M |
| Total Long-Term Assets | $25.39B | $25.39B | $19.67B |
| Total Assets | $29.93B | $29.93B | $19.86B |
| YoY Change | 50.74% | 50.74% | |
| SHORT-TERM LIABILITIES | |||
| YoY Change | |||
| Accounts Payable | $7.055B | $7.055B | $4.882B |
| YoY Change | 44.5% | 44.5% | |
| Accrued Expenses | $90.59M | $90.59M | $97.91M |
| YoY Change | -7.48% | -7.48% | |
| Deferred Revenue | |||
| YoY Change | |||
| Short-Term Debt | $16.01B | $16.01B | $9.670B |
| YoY Change | 65.51% | 65.51% | |
| Long-Term Debt Due | $38.33M | $38.33M | |
| YoY Change | |||
| Total Short-Term Liabilities | $23.70B | $23.70B | $14.89B |
| YoY Change | 59.15% | 59.15% | |
| LONG-TERM LIABILITIES | |||
| Long-Term Debt | $567.6M | $567.6M | $164.9M |
| YoY Change | 244.26% | 244.26% | |
| Other Long-Term Liabilities | $734.9M | $734.9M | $330.3M |
| YoY Change | 122.48% | 122.48% | |
| Total Long-Term Liabilities | $1.302B | $1.302B | $495.2M |
| YoY Change | 163.02% | 163.02% | |
| TOTAL LIABILITIES | |||
| Total Short-Term Liabilities | $23.70B | $23.70B | $14.89B |
| Total Long-Term Liabilities | $1.302B | $1.302B | $495.2M |
| Total Liabilities | $25.04B | $25.04B | $15.42B |
| YoY Change | 62.44% | 62.44% | |
| SHAREHOLDERS EQUITY | |||
| Retained Earnings | |||
| YoY Change | |||
| Common Stock | |||
| YoY Change | |||
| Preferred Stock | |||
| YoY Change | |||
| Treasury Stock (at cost) | |||
| YoY Change | |||
| Treasury Stock Shares | |||
| Shareholders Equity | $4.891B | $4.891B | $4.441B |
| YoY Change | |||
| Total Liabilities & Shareholders Equity | $29.93B | $29.93B | $19.86B |
| YoY Change | 50.74% | 50.74% |
Cashflow Statement
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| OPERATING ACTIVITIES | |||
| Net Income | -$297.6M | -$364.6M | -$66.08M |
| YoY Change | 350.4% | 121.0% | -38.28% |
| Depreciation, Depletion And Amortization | $9.882M | $35.58M | $6.443M |
| YoY Change | 53.38% | 105.21% | 76.76% |
| Cash From Operating Activities | $228.4M | $755.6M | -$1.859B |
| YoY Change | -112.28% | -125.84% | 870.09% |
| INVESTING ACTIVITIES | |||
| Capital Expenditures | $27.69M | $114.3M | -$13.38M |
| YoY Change | -307.03% | -501.1% | 367.17% |
| Acquisitions | |||
| YoY Change | |||
| Other Investing Activities | $0.00 | -$12.85M | -$16.70M |
| YoY Change | -100.0% | -89.78% | 1670300.0% |
| Cash From Investing Activities | -$27.69M | -$127.2M | -$30.08M |
| YoY Change | -7.94% | -17.54% | 950.24% |
| FINANCING ACTIVITIES | |||
| Cash Dividend Paid | |||
| YoY Change | |||
| Common Stock Issuance & Retirement, Net | $2.595B | ||
| YoY Change | 64583.57% | ||
| Debt Paid & Issued, Net | |||
| YoY Change | |||
| Cash From Financing Activities | 105.3M | 654.0M | 2.541B |
| YoY Change | -95.86% | -80.39% | -10512.42% |
| NET CHANGE | |||
| Cash From Operating Activities | 228.4M | 755.6M | -1.859B |
| Cash From Investing Activities | -27.69M | -127.2M | -30.08M |
| Cash From Financing Activities | 105.3M | 654.0M | 2.541B |
| Net Change In Cash | 305.9M | 1.282B | 651.9M |
| YoY Change | -53.08% | 398.1% | -397.81% |
| FREE CASH FLOW | |||
| Cash From Operating Activities | $228.4M | $755.6M | -$1.859B |
| Capital Expenditures | $27.69M | $114.3M | -$13.38M |
| Free Cash Flow | $200.7M | $641.3M | -$1.846B |
| YoY Change | -110.87% | -122.14% | 877.72% |
Facts In Submission
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| CY2022 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
-473345000 | usd |
| CY2021 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
-219824000 | usd |
| CY2020 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
-22338000 | usd |
| CY2022 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
417612000 | usd |
| CY2021 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
224654000 | usd |
| CY2020 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
44025000 | usd |
| CY2022 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
-55733000 | usd |
| CY2021 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
4830000 | usd |
| CY2020 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
21687000 | usd |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
-364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
-165334000 | usd |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
-171491000 | usd |
| CY2022 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
-364578000 | usd |
| CY2021 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
-164993000 | usd |
| CY2020 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
-171491000 | usd |
| CY2022 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
-56000 | usd |
| CY2021 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2022 | nu |
Loss Per Share Basic And Diluted
LossPerShareBasicAndDiluted
|
-0.0780 | |
| CY2021 | nu |
Loss Per Share Basic And Diluted
LossPerShareBasicAndDiluted
|
-0.1030 | |
| CY2020 | nu |
Loss Per Share Basic And Diluted
LossPerShareBasicAndDiluted
|
-0.1304 | |
| CY2022 | nu |
Weighted Average Number Of Outstanding Shares Basic And Diluted In Thousands Of Shares
WeightedAverageNumberOfOutstandingSharesBasicAndDilutedInThousandsOfShares
|
4676977 | shares |
| CY2021 | nu |
Weighted Average Number Of Outstanding Shares Basic And Diluted In Thousands Of Shares
WeightedAverageNumberOfOutstandingSharesBasicAndDilutedInThousandsOfShares
|
1602126 | shares |
| CY2020 | nu |
Weighted Average Number Of Outstanding Shares Basic And Diluted In Thousands Of Shares
WeightedAverageNumberOfOutstandingSharesBasicAndDilutedInThousandsOfShares
|
1315578 | shares |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
-364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
-165334000 | usd |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
-171491000 | usd |
| CY2022 | nu |
Effective Portion Of Changes In Fair Value
EffectivePortionOfChangesInFairValue
|
-29795000 | usd |
| CY2021 | nu |
Effective Portion Of Changes In Fair Value
EffectivePortionOfChangesInFairValue
|
2705000 | usd |
| CY2020 | nu |
Effective Portion Of Changes In Fair Value
EffectivePortionOfChangesInFairValue
|
8302000 | usd |
| CY2022 | ifrs-full |
Gains Losses On Financial Assets Reclassified Out Of Financial Assets At Fair Value Through Profit Or Loss Recognised In Profit Or Loss
GainsLossesOnFinancialAssetsReclassifiedOutOfFinancialAssetsAtFairValueThroughProfitOrLossRecognisedInProfitOrLoss
|
18007000 | usd |
| CY2021 | ifrs-full |
Gains Losses On Financial Assets Reclassified Out Of Financial Assets At Fair Value Through Profit Or Loss Recognised In Profit Or Loss
GainsLossesOnFinancialAssetsReclassifiedOutOfFinancialAssetsAtFairValueThroughProfitOrLossRecognisedInProfitOrLoss
|
-242000 | usd |
| CY2020 | ifrs-full |
Gains Losses On Financial Assets Reclassified Out Of Financial Assets At Fair Value Through Profit Or Loss Recognised In Profit Or Loss
GainsLossesOnFinancialAssetsReclassifiedOutOfFinancialAssetsAtFairValueThroughProfitOrLossRecognisedInProfitOrLoss
|
-8223000 | usd |
| CY2022 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
-2815000 | usd |
| CY2021 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
1025000 | usd |
| CY2020 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
31000 | usd |
| CY2022 | nu |
Gains Losses On Cash Flow Hedges Before Tax1
GainsLossesOnCashFlowHedgesBeforeTax1
|
-8973000 | usd |
| CY2021 | nu |
Gains Losses On Cash Flow Hedges Before Tax1
GainsLossesOnCashFlowHedgesBeforeTax1
|
1438000 | usd |
| CY2020 | nu |
Gains Losses On Cash Flow Hedges Before Tax1
GainsLossesOnCashFlowHedgesBeforeTax1
|
48000 | usd |
| CY2022 | nu |
Gains Losses On Remeasuring Availableforsale Financial Assets Before Tax1
GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax1
|
-22053000 | usd |
| CY2021 | nu |
Gains Losses On Remeasuring Availableforsale Financial Assets Before Tax1
GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax1
|
3046000 | usd |
| CY2022 | nu |
Other Deferred Tax Expense Income1
OtherDeferredTaxExpenseIncome1
|
1986000 | usd |
| CY2021 | nu |
Other Deferred Tax Expense Income1
OtherDeferredTaxExpenseIncome1
|
1305000 | usd |
| CY2022 | nu |
Financial Assets At Fair Value Through Other Comprehensive Income1
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome1
|
-24039000 | usd |
| CY2021 | nu |
Financial Assets At Fair Value Through Other Comprehensive Income1
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome1
|
1741000 | usd |
| CY2022 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
2580000 | usd |
| CY2021 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
-13855000 | usd |
| CY2020 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
-50100000 | usd |
| CY2022 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax
|
-30432000 | usd |
| CY2021 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax
|
-10676000 | usd |
| CY2020 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax
|
-50052000 | usd |
| CY2022 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
2008000 | usd |
| CY2021 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
-1051000 | usd |
| CY2020 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
-219000 | usd |
| CY2022 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax
|
2008000 | usd |
| CY2021 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax
|
-1051000 | usd |
| CY2020 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax
|
-219000 | usd |
| CY2022 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
-28424000 | usd |
| CY2021 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
-11727000 | usd |
| CY2020 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
-50271000 | usd |
| CY2022 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
-393058000 | usd |
| CY2021 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
-177061000 | usd |
| CY2020 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
-221762000 | usd |
| CY2022 | ifrs-full |
Other Comprehensive Income Attributable To Owners Of Parent
OtherComprehensiveIncomeAttributableToOwnersOfParent
|
-393002000 | usd |
| CY2021 | ifrs-full |
Other Comprehensive Income Attributable To Owners Of Parent
OtherComprehensiveIncomeAttributableToOwnersOfParent
|
-176720000 | usd |
| CY2020 | ifrs-full |
Other Comprehensive Income Attributable To Owners Of Parent
OtherComprehensiveIncomeAttributableToOwnersOfParent
|
-221762000 | usd |
| CY2022 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
-56000 | usd |
| CY2021 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
133643000 | usd |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
918332000 | usd |
| CY2022Q4 | nu |
Securities
Securities
|
91853000 | usd |
| CY2021Q4 | nu |
Securities
Securities
|
815962000 | usd |
| CY2022Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
41485000 | usd |
| CY2021Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
101318000 | usd |
| CY2022Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
305000 | usd |
| CY2021Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
1052000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
9947138000 | usd |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
8163428000 | usd |
| CY2022Q4 | nu |
Other Securities
OtherSecurities
|
9947138000 | usd |
| CY2021Q4 | nu |
Other Securities
OtherSecurities
|
8163428000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Amortised Cost
FinancialAssetsAtAmortisedCost
|
13684484000 | usd |
| CY2021Q4 | ifrs-full |
Financial Assets At Amortised Cost
FinancialAssetsAtAmortisedCost
|
6982835000 | usd |
| CY2022Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
8233072000 | usd |
| CY2021Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
4780520000 | usd |
| CY2022Q4 | ifrs-full |
Loans And Advances To Customers
LoansAndAdvancesToCustomers
|
1673440000 | usd |
| CY2021Q4 | ifrs-full |
Loans And Advances To Customers
LoansAndAdvancesToCustomers
|
1194814000 | usd |
| CY2022Q4 | nu |
Compulsory And Other Deposits At Central Banks
CompulsoryAndOtherDepositsAtCentralBanks
|
2778019000 | usd |
| CY2021Q4 | nu |
Compulsory And Other Deposits At Central Banks
CompulsoryAndOtherDepositsAtCentralBanks
|
938659000 | usd |
| CY2022Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
521670000 | usd |
| CY2021Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
50349000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2021Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
18493000 | usd |
| CY2022Q4 | nu |
Customer Crypto Safeguarding Asset
CustomerCryptoSafeguardingAsset
|
18313000 | usd |
| CY2022Q4 | ifrs-full |
Other Assets
OtherAssets
|
541903000 | usd |
| CY2021Q4 | ifrs-full |
Other Assets
OtherAssets
|
232915000 | usd |
| CY2022Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
811050000 | usd |
| CY2021Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
360752000 | usd |
| CY2022Q4 | ifrs-full |
Rightofuse Assets
RightofuseAssets
|
18982000 | usd |
| CY2021Q4 | ifrs-full |
Rightofuse Assets
RightofuseAssets
|
6426000 | usd |
| CY2022Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
27482000 | usd |
| CY2021Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
14109000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2021Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
72337000 | usd |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2021Q4 | ifrs-full |
Goodwill
Goodwill
|
401872000 | usd |
| CY2022Q4 | ifrs-full |
Assets
Assets
|
29934872000 | usd |
| CY2021Q4 | ifrs-full |
Assets
Assets
|
19858681000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss
FinancialLiabilitiesAtFairValueThroughProfitOrLoss
|
218174000 | usd |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss
FinancialLiabilitiesAtFairValueThroughProfitOrLoss
|
102380000 | usd |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
9425000 | usd |
| CY2021Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
87278000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
11507000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
12056000 | usd |
| CY2022Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
197242000 | usd |
| CY2021Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
3046000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Amortised Cost
FinancialLiabilitiesAtAmortisedCost
|
23448892000 | usd |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Amortised Cost
FinancialLiabilitiesAtAmortisedCost
|
14706713000 | usd |
| CY2022Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
15808541000 | usd |
| CY2021Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
9667300000 | usd |
| CY2022Q4 | ifrs-full |
Other Payables
OtherPayables
|
7054783000 | usd |
| CY2021Q4 | ifrs-full |
Other Payables
OtherPayables
|
4882159000 | usd |
| CY2022Q4 | ifrs-full |
Borrowings
Borrowings
|
585568000 | usd |
| CY2021Q4 | ifrs-full |
Borrowings
Borrowings
|
147243000 | usd |
| CY2021Q4 | ifrs-full |
Other Borrowings
OtherBorrowings
|
10011000 | usd |
| CY2022Q4 | nu |
Salaries Allowances And Social Security Contributions
SalariesAllowancesAndSocialSecurityContributions
|
90587000 | usd |
| CY2021Q4 | nu |
Salaries Allowances And Social Security Contributions
SalariesAllowancesAndSocialSecurityContributions
|
97909000 | usd |
| CY2022Q4 | nu |
Tax Liabilities
TaxLiabilities
|
511017000 | usd |
| CY2021Q4 | nu |
Tax Liabilities
TaxLiabilities
|
241197000 | usd |
| CY2022Q4 | nu |
Lease Liabilities1
LeaseLiabilities1
|
20353000 | usd |
| CY2021Q4 | nu |
Lease Liabilities1
LeaseLiabilities1
|
7621000 | usd |
| CY2022Q4 | nu |
Provision For Lawsuits And Administrative Proceedings
ProvisionForLawsuitsAndAdministrativeProceedings
|
17947000 | usd |
| CY2021Q4 | nu |
Provision For Lawsuits And Administrative Proceedings
ProvisionForLawsuitsAndAdministrativeProceedings
|
18082000 | usd |
| CY2022Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
41688000 | usd |
| CY2021Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
30657000 | usd |
| CY2022Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
41118000 | usd |
| CY2021Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
29334000 | usd |
| CY2022Q4 | nu |
Customer Crypto Safeguarding Liability
CustomerCryptoSafeguardingLiability
|
18313000 | usd |
| CY2022Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
636000000 | usd |
| CY2021Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
182247000 | usd |
| CY2022Q4 | ifrs-full |
Liabilities
Liabilities
|
25044089000 | usd |
| CY2021Q4 | ifrs-full |
Liabilities
Liabilities
|
15416140000 | usd |
| CY2022Q4 | ifrs-full |
Issued Capital
IssuedCapital
|
83000 | usd |
| CY2021Q4 | ifrs-full |
Issued Capital
IssuedCapital
|
83000 | usd |
| CY2022Q4 | ifrs-full |
Share Premium
SharePremium
|
4963774000 | usd |
| CY2021Q4 | ifrs-full |
Share Premium
SharePremium
|
4678585000 | usd |
| CY2022Q4 | nu |
Accumulated Gain Losses
AccumulatedGainLosses
|
64577000 | usd |
| CY2021Q4 | nu |
Accumulated Gain Losses
AccumulatedGainLosses
|
-128409000 | usd |
| CY2022Q4 | ifrs-full |
Accumulated Other Comprehensive Income
AccumulatedOtherComprehensiveIncome
|
-137651000 | usd |
| CY2021Q4 | ifrs-full |
Accumulated Other Comprehensive Income
AccumulatedOtherComprehensiveIncome
|
-109227000 | usd |
| CY2022Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
4890783000 | usd |
| CY2021Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
4441032000 | usd |
| CY2021Q4 | ifrs-full |
Noncontrolling Interests
NoncontrollingInterests
|
1509000 | usd |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
4890783000 | usd |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
4442541000 | usd |
| CY2022Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
29934872000 | usd |
| CY2021Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
19858681000 | usd |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
4442541000 | usd |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
-364634000 | usd |
| CY2022 | nu |
Sharebased Compensation Granted Net Of Shares Withheld For Employee Taxes
SharebasedCompensationGrantedNetOfSharesWithheldForEmployeeTaxes
|
201991000 | usd |
| CY2022 | nu |
Sharebased Compensation Contingent Share Award Csa Termination
SharebasedCompensationContingentShareAwardCsaTermination
|
355573000 | usd |
| CY2022 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
4505000 | usd |
| CY2022 | nu |
Shares Issued On Business Acquisition
SharesIssuedOnBusinessAcquisition
|
36671000 | usd |
| CY2022 | nu |
Shares Issued On Ipo Overallotment
SharesIssuedOnIpoOverallotment
|
247998000 | usd |
| CY2022 | nu |
Transactions Costs From Ipo Overallotment
TransactionsCostsFromIpoOverallotment
|
-3985000 | usd |
| CY2022 | nu |
Deconsolidation Of Subsidiary
DeconsolidationOfSubsidiary
|
-1453000 | usd |
| CY2022 | nu |
Reserve Of Cash Flow Hedges Continuing Hedges1
ReserveOfCashFlowHedgesContinuingHedges1
|
-8973000 | usd |
| CY2022 | nu |
Fair Value Changes Financial Assets At Fvtoci
FairValueChangesFinancialAssetsAtFvtoci
|
-24039000 | usd |
| CY2022 | nu |
Currency Translation On Foreign Entities
CurrencyTranslationOnForeignEntities
|
2580000 | usd |
| CY2022 | nu |
Own Credit Adjustment
OwnCreditAdjustment
|
2008000 | usd |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
4890783000 | usd |
| CY2020Q4 | ifrs-full |
Equity
Equity
|
438111000 | usd |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
-165334000 | usd |
| CY2021 | nu |
Sharebased Compensation Granted Net Of Shares Withheld For Employee Taxes
SharebasedCompensationGrantedNetOfSharesWithheldForEmployeeTaxes
|
139025000 | usd |
| CY2021 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
12252000 | usd |
| CY2021 | nu |
Shares Issued On Business Acquisition
SharesIssuedOnBusinessAcquisition
|
277575000 | usd |
| CY2021 | ifrs-full |
Proceeds From Issue Of Preference Shares
ProceedsFromIssueOfPreferenceShares
|
400915000 | usd |
| CY2021 | nu |
Issuance Of Preferred Shares Series G
IssuanceOfPreferredSharesSeriesG
|
400000000 | usd |
| CY2021 | nu |
Issuance Of Preferred Shares Series G1
IssuanceOfPreferredSharesSeriesG1
|
400000000 | usd |
| CY2021 | nu |
Issuance Of Shares Under Customer Program And Ipo
IssuanceOfSharesUnderCustomerProgramAndIpo
|
2602026000 | usd |
| CY2021 | nu |
Transactions Costs From Ipo Note1b
TransactionsCostsFromIpoNote1b
|
-47545000 | usd |
| CY2021 | ifrs-full |
Changes In Equity
ChangesInEquity
|
-4607000 | usd |
| CY2021 | nu |
Increase In Noncontrolling Interests
IncreaseInNoncontrollingInterests
|
1850000 | usd |
| CY2021 | nu |
Reserve Of Cash Flow Hedges Continuing Hedges1
ReserveOfCashFlowHedgesContinuingHedges1
|
1438000 | usd |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments
OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments
|
1741000 | usd |
| CY2021 | nu |
Currency Translation On Foreign Entities
CurrencyTranslationOnForeignEntities
|
-13855000 | usd |
| CY2021 | nu |
Own Credit Adjustment
OwnCreditAdjustment
|
-1051000 | usd |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
4442541000 | usd |
| CY2019Q4 | ifrs-full |
Equity
Equity
|
612251000 | usd |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
-171491000 | usd |
| CY2020 | nu |
Sharebased Compensation Granted Net Of Shares Withheld For Employee Taxes
SharebasedCompensationGrantedNetOfSharesWithheldForEmployeeTaxes
|
40861000 | usd |
| CY2020 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
6776000 | usd |
| CY2020 | ifrs-full |
Changes In Equity
ChangesInEquity
|
-15000 | usd |
| CY2020 | nu |
Reserve Of Cash Flow Hedges Continuing Hedges1
ReserveOfCashFlowHedgesContinuingHedges1
|
48000 | usd |
| CY2020 | nu |
Currency Translation On Foreign Entities
CurrencyTranslationOnForeignEntities
|
-50100000 | usd |
| CY2020 | nu |
Own Credit Adjustment
OwnCreditAdjustment
|
-219000 | usd |
| CY2020Q4 | ifrs-full |
Equity
Equity
|
438111000 | usd |
| CY2022 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
-364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
-165334000 | usd |
| CY2020 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
-171491000 | usd |
| CY2022 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense
AdjustmentsForDepreciationAndAmortisationExpense
|
35581000 | usd |
| CY2021 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense
AdjustmentsForDepreciationAndAmortisationExpense
|
17339000 | usd |
| CY2020 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense
AdjustmentsForDepreciationAndAmortisationExpense
|
7428000 | usd |
| CY2022 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
1440922000 | usd |
| CY2021 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
503679000 | usd |
| CY2020 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
187790000 | usd |
| CY2022 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-417612000 | usd |
| CY2021 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-224654000 | usd |
| CY2020 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-44025000 | usd |
| CY2021 | nu |
Customer Program
CustomerProgram
|
11180000 | usd |
| CY2022 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
-1174000 | usd |
| CY2021 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
2818000 | usd |
| CY2020 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
227000 | usd |
| CY2022 | nu |
Unrealized Losses Gains On Other Investments
UnrealizedLossesGainsOnOtherInvestments
|
-848000 | usd |
| CY2021 | nu |
Unrealized Losses Gains On Other Investments
UnrealizedLossesGainsOnOtherInvestments
|
39280000 | usd |
| CY2022 | nu |
Unrealized Losses Gains On Financial Instruments
UnrealizedLossesGainsOnFinancialInstruments
|
17794000 | usd |
| CY2021 | nu |
Unrealized Losses Gains On Financial Instruments
UnrealizedLossesGainsOnFinancialInstruments
|
19338000 | usd |
| CY2020 | nu |
Unrealized Losses Gains On Financial Instruments
UnrealizedLossesGainsOnFinancialInstruments
|
48433000 | usd |
| CY2022 | nu |
Interest Accrued
InterestAccrued
|
32479000 | usd |
| CY2021 | nu |
Interest Accrued
InterestAccrued
|
11077000 | usd |
| CY2020 | nu |
Interest Accrued
InterestAccrued
|
39521000 | usd |
| CY2022 | nu |
Contingent Share Award Csa Termination
ContingentShareAwardCsaTermination
|
355573000 | usd |
| CY2022 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
253203000 | usd |
| CY2021 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
157324000 | usd |
| CY2020 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
35569000 | usd |
| CY2022 | nu |
Others
Others
|
8203000 | usd |
| CY2022 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
1361183000 | usd |
| CY2021 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
293487000 | usd |
| CY2020 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
103452000 | usd |
| CY2022 | nu |
Operating Securities
OperatingSecurities
|
1102864000 | usd |
| CY2021 | nu |
Operating Securities
OperatingSecurities
|
4666792000 | usd |
| CY2020 | nu |
Operating Securities
OperatingSecurities
|
2008861000 | usd |
| CY2022 | nu |
Compulsory Deposits And Others At Central Banks
CompulsoryDepositsAndOthersAtCentralBanks
|
-1880347000 | usd |
| CY2021 | nu |
Compulsory Deposits And Others At Central Banks
CompulsoryDepositsAndOthersAtCentralBanks
|
-924889000 | usd |
| CY2020 | nu |
Compulsory Deposits And Others At Central Banks
CompulsoryDepositsAndOthersAtCentralBanks
|
-43841000 | usd |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Other Operating Receivables
AdjustmentsForDecreaseIncreaseInOtherOperatingReceivables
|
-5213669000 | usd |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Other Operating Receivables
AdjustmentsForDecreaseIncreaseInOtherOperatingReceivables
|
-2568423000 | usd |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Other Operating Receivables
AdjustmentsForDecreaseIncreaseInOtherOperatingReceivables
|
-470227000 | usd |
| CY2022 | nu |
Loans To Customers One
LoansToCustomersOne
|
1889278000 | usd |
| CY2021 | nu |
Loans To Customers One
LoansToCustomersOne
|
1522217000 | usd |
| CY2020 | nu |
Loans To Customers One
LoansToCustomersOne
|
178686000 | usd |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Trade And Other Receivables
AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables
|
-481824000 | usd |
| CY2020 | nu |
Interbank Transactions
InterbankTransactions
|
93000 | usd |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
-772415000 | usd |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
-64072000 | usd |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
78319000 | usd |
| CY2022 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Banks
AdjustmentsForIncreaseDecreaseInDepositsFromBanks
|
6278088000 | usd |
| CY2021 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Banks
AdjustmentsForIncreaseDecreaseInDepositsFromBanks
|
4001856000 | usd |
| CY2020 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Banks
AdjustmentsForIncreaseDecreaseInDepositsFromBanks
|
2871246000 | usd |
| CY2022 | nu |
Payables To Network
PayablesToNetwork
|
2221037000 | usd |
| CY2021 | nu |
Payables To Network
PayablesToNetwork
|
1602485000 | usd |
| CY2020 | nu |
Payables To Network
PayablesToNetwork
|
312607000 | usd |
| CY2022 | nu |
Deferred Income1
DeferredIncome1
|
11277000 | usd |
| CY2021 | nu |
Deferred Income1
DeferredIncome1
|
4848000 | usd |
| CY2020 | nu |
Deferred Income1
DeferredIncome1
|
3621000 | usd |
| CY2022 | nu |
Other Liabilities1
OtherLiabilities1
|
979277000 | usd |
| CY2021 | nu |
Other Liabilities1
OtherLiabilities1
|
417225000 | usd |
| CY2020 | nu |
Other Liabilities1
OtherLiabilities1
|
57841000 | usd |
| CY2022 | nu |
Interest Paid1
InterestPaid1
|
30935000 | usd |
| CY2021 | nu |
Interest Paid1
InterestPaid1
|
9062000 | usd |
| CY2020 | nu |
Interest Paid1
InterestPaid1
|
6199000 | usd |
| CY2022 | nu |
Income Tax Paid
IncomeTaxPaid
|
297090000 | usd |
| CY2021 | nu |
Income Tax Paid
IncomeTaxPaid
|
52314000 | usd |
| CY2020 | nu |
Income Tax Paid
IncomeTaxPaid
|
7880000 | usd |
| CY2022 | nu |
Interest Received
InterestReceived
|
1573133000 | usd |
| CY2021 | nu |
Interest Received
InterestReceived
|
563550000 | usd |
| CY2020 | nu |
Interest Received
InterestReceived
|
263035000 | usd |
| CY2022 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
755573000 | usd |
| CY2021 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
-2924318000 | usd |
| CY2020 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
974520000 | usd |
| CY2022 | ifrs-full |
Other Cash Payments To Acquire Equity Or Debt Instruments Of Other Entities Classified As Investing Activities
OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities
|
20001000 | usd |
| CY2021 | ifrs-full |
Other Cash Payments To Acquire Equity Or Debt Instruments Of Other Entities Classified As Investing Activities
OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities
|
6025000 | usd |
| CY2020 | ifrs-full |
Other Cash Payments To Acquire Equity Or Debt Instruments Of Other Entities Classified As Investing Activities
OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities
|
3084000 | usd |
| CY2022 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
94305000 | usd |
| CY2021 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
22473000 | usd |
| CY2020 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
4902000 | usd |
| CY2022 | nu |
Acquisition Of Subsidiary Net Of Cash Acquired
AcquisitionOfSubsidiaryNetOfCashAcquired
|
10346000 | usd |
| CY2021 | nu |
Acquisition Of Subsidiary Net Of Cash Acquired
AcquisitionOfSubsidiaryNetOfCashAcquired
|
114486000 | usd |
| CY2020 | nu |
Acquisition Of Subsidiary Net Of Cash Acquired
AcquisitionOfSubsidiaryNetOfCashAcquired
|
8284000 | usd |
| CY2022 | nu |
Equity Instrument1
EquityInstrument1
|
2500000 | usd |
| CY2021 | nu |
Equity Instrument1
EquityInstrument1
|
11211000 | usd |
| CY2022 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-127152000 | usd |
| CY2021 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-154195000 | usd |
| CY2020 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-16270000 | usd |
| CY2020 | nu |
Proceeds From Senior Preferred Shares
ProceedsFromSeniorPreferredShares
|
300000000 | usd |
| CY2021 | nu |
Issuance Of Preferred Shares
IssuanceOfPreferredShares
|
800000000 | usd |
| CY2022 | nu |
Issuance Of Shares On Ipo And Overallotment
IssuanceOfSharesOnIpoAndOverallotment
|
247998000 | usd |
| CY2021 | nu |
Issuance Of Shares On Ipo And Overallotment
IssuanceOfSharesOnIpoAndOverallotment
|
2590846000 | usd |
| CY2022 | nu |
Transactions Costs From Ipo And Overallotment
TransactionsCostsFromIpoAndOverallotment
|
3985000 | usd |
| CY2021 | nu |
Transactions Costs From Ipo And Overallotment
TransactionsCostsFromIpoAndOverallotment
|
47545000 | usd |
| CY2022 | ifrs-full |
Repayments Of Borrowings Classified As Financing Activities
RepaymentsOfBorrowingsClassifiedAsFinancingActivities
|
10633000 | usd |
| CY2021 | ifrs-full |
Repayments Of Borrowings Classified As Financing Activities
RepaymentsOfBorrowingsClassifiedAsFinancingActivities
|
66403000 | usd |
| CY2020 | ifrs-full |
Repayments Of Borrowings Classified As Financing Activities
RepaymentsOfBorrowingsClassifiedAsFinancingActivities
|
52172000 | usd |
| CY2022 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
581142000 | usd |
| CY2021 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
116349000 | usd |
| CY2020 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
17974000 | usd |
| CY2022 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
159983000 | usd |
| CY2021 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
60523000 | usd |
| CY2020 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
27893000 | usd |
| CY2022 | nu |
Lease Payments
LeasePayments
|
5005000 | usd |
| CY2021 | nu |
Lease Payments
LeasePayments
|
4387000 | usd |
| CY2020 | nu |
Lease Payments
LeasePayments
|
4568000 | usd |
| CY2022 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
4505000 | usd |
| CY2021 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
12252000 | usd |
| CY2020 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
6776000 | usd |
| CY2021 | nu |
Shares Repurchased
SharesRepurchased
|
4607000 | usd |
| CY2020 | nu |
Shares Repurchased
SharesRepurchased
|
15000 | usd |
| CY2022 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
654039000 | usd |
| CY2021 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
3335982000 | usd |
| CY2020 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
240102000 | usd |
| CY2022 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
1282460000 | usd |
| CY2021 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
257469000 | usd |
| CY2020 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
1198352000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2020Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2343780000 | usd |
| CY2019Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
1246566000 | usd |
| CY2022 | nu |
Foreign Exchange Rate Changes On Cash And Cash Equivalents
ForeignExchangeRateChangesOnCashAndCashEquivalents
|
184181000 | usd |
| CY2021 | nu |
Foreign Exchange Rate Changes On Cash And Cash Equivalents
ForeignExchangeRateChangesOnCashAndCashEquivalents
|
104426000 | usd |
| CY2020 | nu |
Foreign Exchange Rate Changes On Cash And Cash Equivalents
ForeignExchangeRateChangesOnCashAndCashEquivalents
|
-101138000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2020Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2343780000 | usd |
| CY2022 | nu |
Increase Decrease In Cash And Cash Equivalent
IncreaseDecreaseInCashAndCashEquivalent
|
1282460000 | usd |
| CY2021 | nu |
Increase Decrease In Cash And Cash Equivalent
IncreaseDecreaseInCashAndCashEquivalent
|
257469000 | usd |
| CY2020 | nu |
Increase Decrease In Cash And Cash Equivalent
IncreaseDecreaseInCashAndCashEquivalent
|
1198352000 | usd |
| CY2022 | nu |
Disclosure Of Operations
DisclosureOfOperations
|
<p id="xdx_800_ecustom--DisclosureOfOperations_zUcCeUL8vrVe" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">1. <span id="xdx_82A_zq4bIQnPjTNj">Operations</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Holdings Ltd. ("Company" or "Nu Holdings") was incorporated as an exempted Company under the Companies Law of the Cayman Islands on February 26, 2016. The address of the Company's registered office is Willow House, 4<sup>th</sup> floor, Cricket Square, Grand Cayman - Cayman Islands. Nu Holdings has no operating activities with clients.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company’s shares are publicly traded on the New York Stock Exchange ("NYSE") under the symbol “NU” and its Brazilian Depositary Receipts ("BDRs") are traded on B3 - Brasil, Bolsa, Balcão ("B3"), the Brazilian stock exchange, under the symbol "NUBR33". The Company holds investments in several operating entities and, as of December 31, 2022, its significant operating subsidiaries were:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu Pagamentos S.A. - Instituição de Pagamento (“Nu Pagamentos”) is an indirect subsidiary domiciled in Brazil. Nu Pagamentos is engaged in the issuance and administration of credit cards and payment transfers through a prepaid account, and participation in other companies as partner or shareholder. Nu Pagamentos has as its primary products (i) a Mastercard international credit card (issued in Brazil where it allows payments for purchases to be made in monthly installments), fully managed through a smartphone app, and (ii) NuConta, a 100% digital smartphone app, maintenance-free prepaid account, which also includes features of a traditional bank account, such as electronic and peer-to-peer transfers, bill payments, withdrawals through the 24 Hours ATM network, instant payments, prepaid credit for mobile top ups and prepaid cards similar in functionality to debit cards.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu Financeira S.A. – SCFI (“Nu Financeira”) is an indirect subsidiary also domiciled in Brazil, with personal loans and retail deposits as its main products. Nu Financeira offers customers in Brazil the possibility to obtain loans that can be customized in relation to amounts, terms and conditions, number of installments, and transparent disclosure of any charges involved in the transaction, fully managed through the above-mentioned smartphone app. Loan issuance, repayment, and prepayments are available 24/7 through NuConta's account, directly in the app. Nu Financeira also grants credit to Nu Pagamentos credit card holders, due to overdue invoices, bill installments and revolving credit, and accepts <span style="background-color: white">on-demand and fixed term deposits from customers</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu Invest Corretora de Valores S.A. ("Nu Invest") is an indirect subsidiary acquired in June 2021, domiciled in Brazil, and is a digital investment broker dealer.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><span style="background-color: white">Nu Distribuidora de Titulos e Valores Mobiliarios Ltda. ("Nu DTVM") is an indirect subsidiary that performs securities brokerage activities in Brazil. </span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu BN Servicios México, S.A. de CV (“Nu Servicios”) is an indirect subsidiary domiciled in Mexico. Nu Servicios is engaged in the issuance and administration of credit cards. It commenced operations in the Mexican market in August 2019 and officially launched in March 2020. The credit card has similar characteristics to that of the Brazilian operation: an international credit card, with no annual fee, under the Mastercard banner, 100% managed by a digital app on a smartphone.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt 0.5in; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera") is an indirect subsidiary domiciled in Mexico. Nu Financiera is engaged in the issuance and administration of credit cards and payment transfers through a prepaid account. It commenced operations in the Mexican market in November 2022 and officially launched in December 2022. The credit card has similar characteristics to the Brazilian operation: an international credit card, with no annual fee, under the Mastercard banner, 100% managed by a digital app on a smartphone.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu Colombia S.A. (“Nu Colombia”) is an indirect subsidiary domiciled in Colombia, with operations related to credit cards, which was launched in September 2020. On August 10, 2022, the Financial Superintendence of Colombia ("SFC") approved the Group's request to incorporate a financing company in Colombia, Nu Colombia Compañía de Financiamiento S.A ("Nu Colombia Financiamiento") ("Incorporation License"). Nu Colombia Financiamiento requested the license to operate as a financial company, which is still pending approval. If the request is approved, it will enable Nu Colombia to offer deposit products in the future, amongst other financial products.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The Company and its consolidated subsidiaries are referred to in these consolidated financial statements as the “Group” or "Nu”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The business plan of Nu provides for the continued growth of its Brazilian, Mexican, and Colombian operations, not only related to existing businesses, such as credit cards, personal loans, investments, and insurance, but also complemented by the launch of new products. Accordingly, these consolidated financial statements were prepared based on the assumption of the Group continuing as a going concern, considering that recent losses are principally due to the expenses incurred to deliver upon the Group’s rapid growth, in accordance with its business plan.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The Company’s Board authorized the issuance of these consolidated financial statements on April 20, 2023.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">a) Contingent share award - Termination</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">On November 29, 2022, Mr. David Vélez, the Company's Chief Executive Officer, informed the Company of his unilateral decision to terminate the 2021 Contingent Share Award (CSA). As a result of the termination, the Company recorded expenses of US$<span id="xdx_902_ecustom--AwardTerminationExpense_iI_pn3n3_dm_c20221129__ifrs-full--TypesOfSharebasedPaymentArrangementsAxis__custom--ContingentShare2021AwardMember_z241oOXhuUc" title="Termination expense">356</span> million due to the acceleration of the vesting. After such one-time recognition, the Company will no longer account for any expense associated with the 2021 Contingent Share Award. The termination did not impact cash flows and no shares will be issued under this CSA. Additional information is disclosed on Note 10b.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">b) Initial Public Offering ("IPO")</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">On December 9, 2021, Nu Holdings completed its IPO, offering <span id="xdx_909_eifrs-full--NumberOfSharesIssued_iI_pid_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__ifrs-full--SignificantInvestmentsInSubsidiariesAxis__custom--BrazilianDepositaryReceiptsMember_zosEU7Bg7ooj" title="Number of shares issed">289,150,555</span> of newly issued class A ordinary shares, including in the form of Brazilian Depositary Receipts or "BDRs", each representing one-sixth of a class A ordinary share ("Brazilian offering"). The initial offering consisted of (1) an international offering listed on the New York Stock Exchange (“NYSE”) under the symbol “NU” and (2) a Brazilian offering on São Paulo Stock Exchange ("B3 - Brasil, Bolsa, Balcão") under the symbol "NUBR33". The initial offering price per class A common share was US$<span id="xdx_90F_ecustom--PerShares1_iI_pip0_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zvbClxMRCoih" title="Per shares value">9.00</span>, which was equivalent to R$<span id="xdx_90B_ecustom--PerShares1_iI_pid_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__ifrs-full--SignificantInvestmentsInSubsidiariesAxis__custom--BrazilianDepositaryReceiptsMember_zsCFdRYMrPCb" title="Per shares value">8.36</span> per BDR after taking into consideration the class A ordinary share to BDR ratio.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">Within the context of the Brazilian offering, Nu implemented an incentive and reward program, referred to commercially as “NuSócios” or “Customer Program”, through which the subsidiary Nu Pagamentos provided sufficient funds to cover the subscription and payment of one BDR in the Brazilian offering to each customer that participated in the Customer Program. <span id="xdx_908_eifrs-full--DisclosureOfDepositaryReceiptsExplanatory_c20220101__20221231_zu1rI6KnUhdg" title="Disclosure of depositary receipts">A total of 7,557,679 BDRs were allocated to this program, equivalent to 1,259,613 ordinary class A shares. The total amount for this program was US$11,180 (R$60,331), based on the R$ 8.36 price per BDR. Nu recognized the costs associated with the Customer Program arising from funding the subscription and payment of the BDRs for the customers who participate in the Customer Program as a reduction in revenue in the fourth quarter of 2021.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">As a result, Nu Holdings had gross proceeds from the IPO of US$<span id="xdx_907_eifrs-full--NumberOfSharesIssued_iI_pid_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zIpKdKKEzaf2" title="Number of shares issed">2,602,026</span>. Additionally, the Company incurred US$<span id="xdx_906_ecustom--OtherOfferingExpenses_iI_pn3n3_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_z5JOIWK08EFi" title="Offering cost">61,717</span> in offering expenses, of which US$<span id="xdx_904_ecustom--TransactionCosts_pn3n3_c20211207__20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zBYtv8NvoOx1" title="Transaction costs">47,545</span> were recognized in equity as transaction costs<span style="font-size: 10.5pt; line-height: 115%; background-color: white">.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><span style="background-color: white">In January 2022, Nubank issued </span><span id="xdx_90E_eifrs-full--NumberOfSharesIssued_iI_pid_c20220131__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember_zPvXH310ZdN4" title="Shares issued">27,555,298</span> ordinary class A shares and <span style="background-color: white">raised proceeds of US$<span id="xdx_906_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20220101__20220131__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zaxU5E3RBkGh" title="Proceeds from exercise of the underwriters over-allotment option">247,998</span> as a result of the exercise of the underwriters over-allotment option.</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">c) Level III BDR Program discontinuation</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">On April 5, 2023 the Board of Directors decided to resubmit its plan for the voluntary discontinuance of its Level III BDRs Program, having approved the presentation of a new plan which would result in the cancellation of the Level III BDRs Program with the CVM; and, following this, the cancellation of the Company's registration with the CVM as a foreign public issuer of category "A" securities ("New Plan"). The New Plan will be submitted to B3 for approval, and then to CVM. If approved in the proposed format, the New Plan provides that the current holders of the BDRs must decide between: (i) remaining as the Company’s shareholder through the receipt of class A ordinary shares traded on the NYSE, with certain conditions that need to be met; (ii) remaining as holders of the Company's BDRs through the receipt of Unsponsored Level I BDRs; or (iii) if no declaration is made, the Company will sell the underlying shares on NYSE and former holders will receive the equivalent amount ("Sales Facility"). In addition, Banco Bradesco S.A. ("Bradesco") has been contracted to request the registration of the Unsponsored Level I BDR Program as soon as the Company presents the New Plan to B3.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">d) Acquisition activities completed</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Olivia</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On November 2, 2021, Nu Holdings signed a stock purchase agreement ("SPA") to purchase all the shares of Olivia AI do Brasil Participações Ltda. ("Olivia Participações"), Olivia AI do Brasil Instituição de Pagamento Ltda. ("Olivia Pagamentos") and Olivia AI Inc. ("Olivia Inc") - together referred to as "Olivia" in these consolidated financial statements. Olivia's acquisition was completed on January 3, 2022, when the control over the entities was transferred to Nu upon the completion of all conditions established in the SPA and the payment of part of the acquisition's contractual price.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In 2016, Olivia launched an artificial intelligence ("AI") solution that helps individuals manage their money. The AI works by integrating the user's various bank accounts and applying data analysis of both the expenses and income of its users, in order to provide suggestions for financial planning. Nu believes that Olivia's AI will further strengthen the Group's open banking initiatives. In addition, Olivia's strategic capabilities in data science and its highly specialized team are expected to enable Nu to continue creating and offering new products based on artificial intelligence. The transaction qualified as a business combination and was accounted for using the acquisition method of accounting.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Purchase consideration at acquisition date</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The total purchase price was US$<span id="xdx_902_eifrs-full--AcquisitiondateFairValueOfTotalConsiderationTransferred_iI_pn3n3_c20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_z2JdO22DL1S8" title="Purchase price">47,225</span>, of which US$<span id="xdx_90B_eifrs-full--CashTransferred_iI_pn3n3_c20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zV89lMZhn1Ne" title="Cash">10,554</span> was settled on the acquisition date in cash and the remainder is to be settled upon issuance of <span id="xdx_90F_ecustom--NumberOfSharesIssuedOrIssuableOnFirstAnniversary_iI_pid_c20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassAOrdinarySharesMember_zASsqMLzqDNl" title="Shares issued on the first anniversary">3,909,449</span> class A ordinary shares on the first anniversary of the acquisition date, and the issuance of up to <span id="xdx_903_ecustom--NumberOfSharesIssuedOrIssuableOnContingentConsideration_iI_pid_c20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassAOrdinarySharesMember_zHZIEiowqUZk" title="Shares issued on consideration for post-combination services">3,970,986</span> class A ordinary shares as consideration for post-combination services rendered to Nu by the former shareholders and employees who became part of the Group following the closing. The consideration for post-combination services is considered compensation and not a component of the purchase consideration transferred.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Net identifiable assets acquired, and liabilities assumed</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The control over the entities was transferred to Nu in January 2022. The Company has concluded the identification of the assets acquired and liabilities assumed and the allocation of the purchase price to these assets and liabilities, <span style="background-color: white">as well as the measurement of the fair value of the purchased intangible assets and goodwill.</span> The purchase price allocation, including the allocation to the intangible assets and goodwill is shown below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 11pt 0 10pt; text-align: justify"><span style="font-weight: normal">Identifiable intangible assets will be amortized over a period of <span id="xdx_900_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtM_c20220101__20221231__ifrs-full--RangeAxis__ifrs-full--BottomOfRangeMember__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zbQ9QzppSZG3" title="Useful lives of assets">3</span> to <span id="xdx_906_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--RangeAxis__ifrs-full--TopOfRangeMember__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zhXcx1OzhNUh" title="Useful lives of assets">6</span> years, according to their useful life, defined based on the expected future economic benefits generated by the asset. The goodwill does not have a defined useful life and will have its recoverability tested at least annually.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The goodwill from Olivia’s acquisition relates to future benefits expected to be realized through different strategies, such as the usage of the technology and Olivia's professional technical team within the ecosystem of Nu's solutions.</p> <table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--ScheduleOfGeneralInformationAboutFinancialStatementsTableTextBlock_hifrs-full--SignificantInvestmentsInSubsidiariesAxis__custom--OliviasAcquisitionMember_zSaF4nlrmGD2" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operations (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_zNGgj38M6zpc" style="display: none">Schedule of fair value</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviasMember_zCrhO7mIWf55" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left"> </td> <td style="padding: 2pt; width: 2%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 29%; text-align: center"><span style="font-size: 8pt"><b>Fair value recognized on acquisition - US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Identifiable assets and liabilities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_409_eifrs-full--CashAndCashEquivalents_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Cash and cash equivalents</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">208</span></td></tr> <tr id="xdx_403_ecustom--OtherNoncurrentAssets1_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other assets</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">615</span></td></tr> <tr id="xdx_40B_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Intangible assets</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">42,421</span></td></tr> <tr id="xdx_403_eifrs-full--OtherNoncurrentLiabilities_iNI_pn3n3_di_zFcwnuayFYdl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Liabilities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">(6,400)</span></td></tr> <tr id="xdx_40D_eifrs-full--Assets_iI_pn3n3"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total identifiable net assets at fair value</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>36,844</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr id="xdx_40B_eifrs-full--IntangibleAssetsAndGoodwill_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Goodwill arising on acquisition</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>10,381</b></span></td></tr> <tr id="xdx_408_ecustom--PurchasedConsiderationTransferred_iI_pn3n3"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Purchase consideration transferred</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>47,225</b></span></td></tr> <tr id="xdx_400_eifrs-full--EquityInterestsOfAcquirer_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity consideration</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">36,671</span></td></tr> <tr id="xdx_40F_eifrs-full--CashTransferred_iI_pn3n3"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Cash consideration</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,554</span></td></tr> </table> <p id="xdx_8AA_z5QF5XHfuNu1" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="background-color: white">The additional intangible assets recognized, and the allocation as of the purchase price were customer relationship (US$<span id="xdx_90A_eifrs-full--IdentifiableAssetsAcquiredLiabilitiesAssumed_iI_pn3n3_c20211102__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__ifrs-full--CustomerrelatedIntangibleAssetsMember__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_z4pmu357LAKa" title="Intangible assets recognized">3,670</span>) and intellectual property (US$<span id="xdx_90B_eifrs-full--IdentifiableAssetsAcquiredLiabilitiesAssumed_iI_pn3n3_c20211102__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntellectualPropertiesMember__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zx8QuTjjbmX8" title="Intangible assets recognized">37,065</span>), at the acquisition date.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><span style="background-color: white"><span id="xdx_905_ecustom--DescriptionOfIdentifiableAssetsAcquiredAndLiabilities1_c20211101__20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zDuJvQodXqtf" title="Description of fair value determination">The following were the main assumptions used in the determination of the fair value of the identifiable assets acquired and liabilities assumed: (i) discount rate of 15.9% and growth rate of 2%, (ii) EBITDA margin close to 50%, and (iii) the residual value was calculated based on projected cash flows.</span></span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"><b>Net cash outflow on acquisition</b></p> <table cellpadding="0" cellspacing="0" id="xdx_896_eifrs-full--DisclosureOfCashFlowStatementExplanatory_z45rWv1ne1Qc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operations (Details 1)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_zcGa2uLnSHO6" style="display: none">Schedule of net cash outflow on acquisition</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20211101__20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zUfzcamKZDef" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 75%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 23%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr id="xdx_40E_eifrs-full--ConsiderationPaidReceived_pn3n3_zOhxtw00vmTj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Consideration paid in cash</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,554</span></td></tr> <tr id="xdx_40C_eifrs-full--CashAndCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013_pn3n3_z1tOkOu177re" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(-) Cash and cash equivalent balances acquired</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(208)</span></td></tr> <tr id="xdx_401_eifrs-full--IncreaseDecreaseInCashAndCashEquivalents_pn3n3_zsUtQNP6oyvc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net cash outflow</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,346</b></span></td></tr> </table> <p id="xdx_8A1_zcIur1GKA08g" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Impact of the acquisition on the results of the Group</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Olivia contributed US$<span id="xdx_90A_eifrs-full--RevenueFromContractsWithCustomers_pn3n3_c20211101__20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zIv6sRx2neak" title="Revenue">821</span> in revenues and US$<span id="xdx_903_eifrs-full--ProfitLossOfAcquiree_pn3n3_c20211101__20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_z41C9qRDljn3" title="Loss due to acquisitions">27,683</span> in losses for the year 2022. As Olivia was acquired on January 3, 2022, there is no material difference between the actual contributions to revenue and loss and those assuming the acquisition was completed at the beginning of the reporting period.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">e) Reconciliation of goodwill and intangible assets shown in the consolidated statements of financial position</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfReconciliationOfIntangibleAssetsAndgoodwillTableTextBlock_pn3n3_zgTaDckLkHJb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operations (Details 2)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span id="xdx_8B0_z3gHoTxOpisb" style="display: none">Reconciliation of intangible assets and goodwill shown in the consolidated statements of financial position</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 43%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Goodwill</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Intangible assets</b></span></td> <td style="padding: 2pt; width: 2%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Goodwill</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Intangible assets</b></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Intangibles related to acquisitions</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span style="font-size: 8pt"><i>Easynvest's acquisition</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_ze1sozRdsFbc" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>381,125</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98C_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_zhz060ZvFJki" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>34,086</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_982_eifrs-full--Goodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_zyamkcsAi122" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>392,989</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_zsI2ugNKpta6" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>45,061</i></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span style="font-size: 8pt"><i>Cognitect's acquisition</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_zODTuoQwHy2f" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>831</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_zs5gISNn4c25" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>2,673</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_eifrs-full--Goodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_ztGcGwNHIbW8" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>831</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_zf0YSHbNlZG6" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>4,889</i></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span style="font-size: 8pt"><i>Spin Pay's acquisition</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zwwNkgZBxWX2" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>5,060</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zaPCYp75nTk7" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>6,044</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_eifrs-full--Goodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zB9UrvZBO1Kc" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>5,372</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zS6l6XaPUInh" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>8,048</i></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span style="font-size: 8pt"><i>Akala's acquisition</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>-</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>-</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_eifrs-full--Goodwill_iI_pn3n3_c20211231__ifrs-full--BusinessCombinationsAxis__custom--AkalaMember_z4fbdcTgFPkl" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>2,680</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>-</i></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left"><span style="font-size: 8pt"><i>Olivia's acquisition</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_za72GSKqwK35" style="padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><i>10,381</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_z2XxEZMGmTK3" style="padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><i>40,689</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>-</i></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>-</i></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other intangible assets</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_eifrs-full--OtherIntangibleAssets_iI_pn3n3_c20221231_zXewbAQ9MGVh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other intangible assets"><span style="font-size: 8pt">98,672</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--OtherIntangibleAssets_iI_pn3n3_c20211231_zqUyCObgvF8d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other intangible assets"><span style="font-size: 8pt">14,339</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_c20221231_zX50LWv2gVN1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><b>397,397</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231_zedpdvtfBer4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><b>182,164</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_eifrs-full--Goodwill_iI_c20211231_zGv2JR0i28L8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Goodwill"><span style="font-size: 8pt"><b>401,872</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20211231_zAg2YfbWlvli" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets"><span style="font-size: 8pt"><b>72,337</b></span></td></tr> </table> <p id="xdx_8A8_zB9i6rQUoHwh" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> | |
| CY2022 | ifrs-full |
Disclosure Of Depositary Receipts Explanatory
DisclosureOfDepositaryReceiptsExplanatory
|
A total of 7,557,679 BDRs were allocated to this program, equivalent to 1,259,613 ordinary class A shares. The total amount for this program was US$11,180 (R$60,331), based on the R$ 8.36 price per BDR. Nu recognized the costs associated with the Customer Program arising from funding the subscription and payment of the BDRs for the customers who participate in the Customer Program as a reduction in revenue in the fourth quarter of 2021. | |
| CY2022 | ifrs-full |
Disclosure Of Cash Flow Statement Explanatory
DisclosureOfCashFlowStatementExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_896_eifrs-full--DisclosureOfCashFlowStatementExplanatory_z45rWv1ne1Qc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operations (Details 1)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_zcGa2uLnSHO6" style="display: none">Schedule of net cash outflow on acquisition</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20211101__20211102__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zUfzcamKZDef" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 75%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 23%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr id="xdx_40E_eifrs-full--ConsiderationPaidReceived_pn3n3_zOhxtw00vmTj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Consideration paid in cash</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,554</span></td></tr> <tr id="xdx_40C_eifrs-full--CashAndCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013_pn3n3_z1tOkOu177re" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(-) Cash and cash equivalent balances acquired</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(208)</span></td></tr> <tr id="xdx_401_eifrs-full--IncreaseDecreaseInCashAndCashEquivalents_pn3n3_zsUtQNP6oyvc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net cash outflow</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,346</b></span></td></tr> </table> | |
| CY2022Q4 | ifrs-full |
Other Intangible Assets
OtherIntangibleAssets
|
98672000 | usd |
| CY2021Q4 | ifrs-full |
Other Intangible Assets
OtherIntangibleAssets
|
14339000 | usd |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2021Q4 | ifrs-full |
Goodwill
Goodwill
|
401872000 | usd |
| CY2021Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
72337000 | usd |
| CY2022 | ifrs-full |
Statement Of Ifrs Compliance
StatementOfIFRSCompliance
|
<p id="xdx_806_eifrs-full--StatementOfIFRSCompliance_zwdSGP86GDN9" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">2. <span id="xdx_82A_zVNpecVapKC9">Statement of compliance</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company's consolidated financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) as issued by the International Accounting Standards Board (“IASB”).</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Functional currency and foreign currency translation</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">i) Nu Holding's functional and presentation currency</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Holdings does not have any direct customers and its main direct activities are (i) investing in the operating entities in Brazil, Mexico, Colombia, as well as in other countries, (ii) financing, either equity or debt; and (iii) the payment of certain general and administrative expenses. As a result, these are considered its primary and secondary activities and all of them are substantially based on US Dollars (“US$”), which was selected as the functional and presentation currency of Nu Holdings.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">ii) Subsidiary's functional currency</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For each subsidiary of the Group, the Company determines the currency that best reflects the economic substance of the underlying events and circumstances relevant to that entity (“functional currency”). Items included in the financial statements of each subsidiary are measured using that functional currency. The functional currency of the Brazilian operating entities is the Brazilian Real, the Mexican entities is the Mexican Peso, and the Colombian entity is the Colombian Pesos.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">iii) Translation of transactions and balances</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Foreign currency transactions and balances are translated in two consecutive stages:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols; font-size: 12pt; line-height: 115%">●</span></td><td style="text-align: justify">Foreign currency transactions are translated to the subsidiaries’ functional currency at the exchange rates at the date of the transactions; and the exchange differences arising on the translation of foreign currency balances to the functional currency are recognized under “Other income (expenses)” in the consolidated statements of profit or loss. Monetary assets and liabilities denominated in foreign currencies are translated into the functional currency at the exchange rate at the reporting date. Revenues and expenses are translated using a monthly average exchange rate. Non-monetary assets and liabilities that are measured at fair value in a foreign currency are translated into the functional currency at the exchange rate when the fair value was determined. Non-monetary items that are measured based on historical cost in a foreign currency are translated at the exchange rate at the date of the transaction.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols; font-size: 12pt; line-height: 115%">●</span></td><td style="text-align: justify">The financial statements of the subsidiaries held in functional currencies that are not US$ (foreign subsidiaries) are translated into US$, and the exchange differences arising from the translation to US$ of the financial statements denominated in functional currencies other than the US$ is recognized in the consolidated statements of comprehensive income or loss ("OCI") as an item that may be reclassified to profit or loss within “currency translation on foreign entities”.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The main criteria applied to the translation of financial statements of foreign subsidiaries to US$ are as follows:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols; font-size: 12pt; line-height: 115%">●</span></td><td style="text-align: justify">assets and liabilities are converted into US$ at the exchange rate at the reporting date;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols; font-size: 12pt; line-height: 115%">●</span></td><td style="text-align: justify">equity is translated into US$ at historical cost;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols; font-size: 12pt; line-height: 115%">●</span></td><td style="text-align: justify">revenues and expenses are translated using a monthly average exchange rate. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the reporting period which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">statements of cash flow items are translated into US$ using the monthly average exchange rate unless significant variances occur, when the rate of the transaction date is used instead.</td></tr></table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) New or revised accounting pronouncements adopted in 2022</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following new or revised standards have been issued by IASB, were effective for the year covered by these consolidated financial statements, and had no significant impact.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Reference to the Conceptual Framework (Amendments to IFRS 3);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Annual Improvements to IFRS Standards 2018–2020 (Amendments to IFRS 9 and IFRS 16);</td></tr></table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Other new standards and interpretations not yet effective</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Disclosure of Accounting Policies (Amendments to IAS 1 and IFRS Practice Statement 2);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Definition of Accounting Estimates (Amendments to IAS 8);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Deferred Tax related to Assets and Liabilities arising from a Single Transaction (Amendments to IAS 12); and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Non-current Liabilities with Covenants (Amendments to IAS 1).</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Management does not expect the adoption of the standards and interpretations described above to have a significant impact, other than additional disclosures, on the consolidated financial statements.</p> <p style="font: 11pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"> </p> | |
| CY2022 | ifrs-full |
Disclosure Of Basis Of Consolidation Explanatory
DisclosureOfBasisOfConsolidationExplanatory
|
<p id="xdx_800_eifrs-full--DisclosureOfBasisOfConsolidationExplanatory_zchirn7VeVhi" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">3. <span id="xdx_826_z32J7jF0RLg8">Basis of consolidation</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">These consolidated financial statements include the accounting balances of Nu Holdings and all those subsidiaries over which the Company exercises control, directly or indirectly. Control is achieved where the Company has (i) power over the investee; (ii) is exposed, or has rights, to variable returns from its involvement with the investee; and (iii) can use its power to affect its profits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company re-assesses whether it maintains control of an investee if facts and circumstances indicate that there are changes to one or more of the three above mentioned elements of control.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The consolidation of a subsidiary begins when the Company obtains control over it and ceases when the Company loses control over it. Assets, liabilities, income, and expenses of a subsidiary acquired or disposed of during the reporting period are included in the consolidated statements of profit or loss from the date the Company gains control until the date the Company ceases to control the subsidiary. In May 2022, Nu deconsolidated Nu Fundo de Investimentos em Ações (“Nu FIA”).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The financial information of the subsidiaries was prepared in the same period as the Company and consistent accounting policies were applied. The financial statements of the subsidiaries are fully consolidated with those of the Company. Accordingly, all balances, transactions and any unrealized income and expenses arising between consolidated entities are eliminated in the consolidation, except for foreign-currency gain and losses on translation of intercompany loans. Profit or loss and each component of other comprehensive income or loss are attributed to the shareholders of the parent and to the non-controlling interests, when applicable.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The subsidiaries below are the most relevant entities included in these consolidated financial statements:</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_890_eifrs-full--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory_pn3n3_zjEIqNRIEe2g" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Basis of consolidation (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_zAdB8jMSp63b" style="display: none">These consolidated financial statements include the subsidiaries</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>December 31</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: left"><span style="font-size: 7pt"><b>Entity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 6%; text-align: center"><span style="font-size: 7pt"><b>Control</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 19%; text-align: center"><span style="font-size: 7pt"><b>Principal activities</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 7pt"><b>Functional currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Country</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 7pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 7pt"><b>2020</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" title="Entity">Nu BN México, S.A. de CV (“Nu Mexico”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Multiple purpose financial company</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zf7YAVsP4sta" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zFqHmgxGf3p2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zNKuLAh6gUGf" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" title="Entity">Nu BN Servicios México, S.A. de CV (“Nu Servicios")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_znc95Ej11atj" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90B_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_zbenBsuE6fvd" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_zJJdrTEasQ51" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" title="Entity">Nu BN Tecnologia, S.A de CV (“Nu Tecnologia”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Computer consulting service</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_zTPPkJgF7Mhk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_z4GyztrwBOuf" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_zugdsvUCVUo5" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" title="Entity">Nu Colombia S.A. (“Nu Colombia”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">COP</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Colombia</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember_z7R54fOQJq8f" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuColombiaSAMember_zKkWwa5UgJhj" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuColombiaSAMember_z60a9ftI0nze" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" title="Entity">Cognitect, Inc. ("Cognitect")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Direct</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Technology E-Hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">US$</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">USA</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember_zfbF46sgn70d" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--CognitectIncMember_zXqbs3z8N9kc" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--CognitectIncMember_z7lYTfZc2Zbc" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" title="Entity">Nu Pagamentos S.A. - Instituição de Pagamentos (“Nu Pagamentos”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card and prepaid account operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z7V3uNlfqht2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zdjkwE7hBIK7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z49q5xikQT2g" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" title="Entity">Nu Financeira S.A. – SCFI (“Nu Financeira”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Loan operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zy1fFI87Aizf" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_ztxJAnmsh3k7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zJLQRuUiZj6i" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90A_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" title="Entity">Nu Asset Management Ltda. (“Nu Asset”) - former "Nu Investimentos"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Fund manager</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_zoW3rzgulnza" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_zGVfyu6kfVVi" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_z7O8nhrVYU76" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" title="Entity">Nu Distribuidora de Titulos e Valores Mobiliarios Ltda. ("Nu DTVM")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Securities distribution</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zZqSsjDFC5q9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zZSQsJsKHeY4" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zIdFrICRqmw3" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" title="Entity">Nu Produtos Ltda. ("Nu Produtos")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Insurance commission</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zuMroNBF3dvb" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zo3QXkOVz7A5" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zCb4phQYx6Wi" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" title="Entity">Nu Invest Corretora de Valores S.A ("Nu Invest") - former “Easynvest TCV"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Investment platform</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zDkh0dCrz6Fk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zkF7NNezrN17" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" title="Entity">Nu Corretora de Seguros Ltda. ("Nu Corretora de Seguros") - former “Easynvest Corretora"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Insurance commission</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember_z3fvqi8kA2e9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zyErIf5jNGDd" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" title="Entity">Nu Plataformas - Intermediação de Negocios e Serviços Ltda ("Nu Plataforma")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Services platform</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember_zpEReI4toEu8" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zS0Oo6L9tKae" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" title="Entity">Nu Tecnologia S.A ("Nu Tecnologia")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Direct</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Talent E-Hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">UYU</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Uruguay</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember_zX44Ufu6F3p" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_z4AL2F77CJOb" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" title="Entity">Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera") - former “Akala”</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Multiple purpose financial company</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember_zeBRmSYTBy76" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zgZlmdbdznl7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zwEvoWxaHKa6" title="Entity">Nu Pay for Business Instituição de Pagamentos Ltda. ("Spin Pay")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zaTYbxu3S1Z1" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_z0BvdTGjnpVd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Payment hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zufHCyDG29Aa" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zqa3jbNtPHyl" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_z33kS9oi3eD7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zpKh1SEwtW86" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zKJnExA2yy71" title="Entity">Olivia AI do Brasil Instituição de Pagamento Ltda. ("Olivia Pagamentos")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zdh7IO7P4523" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zdJeBHvdbicd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">AI Fintech</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zRDQdKmt3dN2" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zD94GOkToprd" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90A_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zLetQIFtEkF7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zeIF8qJH6nn7" title="Entity">Nu Crypto Ltda.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zd1lluz2Ij35" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zvv2txhUJdbd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Crypto distribution</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zda4hKF3u0V4" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zQgjwrqrYjsi" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zehmcarBwkw2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_z7teexqtrZ93" title="Entity">Nu Colombia Compañía de Financiamiento S.A.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zRi80tWXDmCd" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_ztRnualWNbQc" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Financial intermediary</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zNqj8DYl0lv5" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">COP</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_z8xtlZ5hmEA7" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Colombia</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zhR24I0oq2W6" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_z64BgAMZsRI2" title="Entity">Nu Brasil Serviços Ltda.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zuRWYGvRUMa9" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_z1vZhV5jMLJ2" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Administrative Services</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zUNK2tS99Lj8" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zQCo3GuAWReh" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zg5mBg7iogX9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zUCFgICi7sd1" title="Entity">Nu Brasil Tecnologia Ltda</span>.</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zTRi3UYUJGhl" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zGYSm5nnHa1" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Information Technology Activities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zH9Fk8MR4tQc" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zCFll6Z6wjL9" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zlBZsqnuycM5" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> </table> <p id="xdx_8A9_zrsXFPR6JPad" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In addition, the Company consolidated the following investment fund in which the Group’s companies hold a substantial interest or the entirety of the interests and are therefore exposed, or have rights, to variable returns and have the ability to affect those returns through power over the entity:</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1_zkrqPmMtsFOg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Basis of consolidation (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B7_zUQe0TAMbiBc" style="display: none">Additional details of consolidated investment fund</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 82%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Name of the entity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Country</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember" title="Name of subsidiary">Fundo de Investimento Ostrum Soberano Renda Fixa Referenciado DI (“Fundo Ostrum”)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember" style="padding: 2pt; text-align: center; line-height: 115%" title="Country of incorporation of subsidiary"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td></tr> </table> <p id="xdx_8A5_zdYbYK2QXEx5" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Pagamentos, Nu Financeira, Nu DTVM and Nu Invest, Brazilian subsidiaries, are regulated by the Brazilian Central Bank (“BACEN”), Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera"), a Mexican subsidiary, is regulated by both the Mexican Central Bank ("BANXICO") and Mexican National Baking and Stock Commission (“CNBV”) and Nu Colombia, a Colombian subsidiary, is regulated by Industry and Commerce Superintendency, and as such, there are some regulatory requirements that restrict the ability of the Group to access and transfer assets freely to or from these entities within the Group and to settle liabilities of the Group.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Significant Investments In Subsidiaries Explanatory
DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_890_eifrs-full--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory_pn3n3_zjEIqNRIEe2g" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Basis of consolidation (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_zAdB8jMSp63b" style="display: none">These consolidated financial statements include the subsidiaries</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>December 31</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: left"><span style="font-size: 7pt"><b>Entity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 6%; text-align: center"><span style="font-size: 7pt"><b>Control</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 19%; text-align: center"><span style="font-size: 7pt"><b>Principal activities</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 7pt"><b>Functional currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Country</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 7pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 7pt"><b>2020</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" title="Entity">Nu BN México, S.A. de CV (“Nu Mexico”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Multiple purpose financial company</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zf7YAVsP4sta" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zFqHmgxGf3p2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNMexicoSAdeCVMember_zNKuLAh6gUGf" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" title="Entity">Nu BN Servicios México, S.A. de CV (“Nu Servicios")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_znc95Ej11atj" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90B_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_zbenBsuE6fvd" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNServiciosMexicoSAdeCVMember_zJJdrTEasQ51" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" title="Entity">Nu BN Tecnologia, S.A de CV (“Nu Tecnologia”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Computer consulting service</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_zTPPkJgF7Mhk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_z4GyztrwBOuf" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuBNTecnologiaSAdeCVMember_zugdsvUCVUo5" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" title="Entity">Nu Colombia S.A. (“Nu Colombia”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">COP</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Colombia</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSAMember_z7R54fOQJq8f" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuColombiaSAMember_zKkWwa5UgJhj" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuColombiaSAMember_z60a9ftI0nze" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" title="Entity">Cognitect, Inc. ("Cognitect")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Direct</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Technology E-Hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">US$</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">USA</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--CognitectIncMember_zfbF46sgn70d" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--CognitectIncMember_zXqbs3z8N9kc" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--CognitectIncMember_z7lYTfZc2Zbc" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" title="Entity">Nu Pagamentos S.A. - Instituição de Pagamentos (“Nu Pagamentos”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Credit card and prepaid account operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z7V3uNlfqht2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zdjkwE7hBIK7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z49q5xikQT2g" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" title="Entity">Nu Financeira S.A. – SCFI (“Nu Financeira”)</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Loan operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zy1fFI87Aizf" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_ztxJAnmsh3k7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zJLQRuUiZj6i" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90A_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" title="Entity">Nu Asset Management Ltda. (“Nu Asset”) - former "Nu Investimentos"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Fund manager</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_zoW3rzgulnza" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_900_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_zGVfyu6kfVVi" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuAssetManagementLtdMember_z7O8nhrVYU76" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" title="Entity">Nu Distribuidora de Titulos e Valores Mobiliarios Ltda. ("Nu DTVM")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Securities distribution</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zZqSsjDFC5q9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zZSQsJsKHeY4" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaMember_zIdFrICRqmw3" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" title="Entity">Nu Produtos Ltda. ("Nu Produtos")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Insurance commission</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zuMroNBF3dvb" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zo3QXkOVz7A5" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20200101__20201231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zCb4phQYx6Wi" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" title="Entity">Nu Invest Corretora de Valores S.A ("Nu Invest") - former “Easynvest TCV"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Investment platform</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zDkh0dCrz6Fk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zkF7NNezrN17" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" title="Entity">Nu Corretora de Seguros Ltda. ("Nu Corretora de Seguros") - former “Easynvest Corretora"</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Insurance commission</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuCorretoraDeSegurosLtdaMember_z3fvqi8kA2e9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zyErIf5jNGDd" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_902_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" title="Entity">Nu Plataformas - Intermediação de Negocios e Serviços Ltda ("Nu Plataforma")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Services platform</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPlataformasIntermediacaoDeNegociosEServicosLtdaMember_zpEReI4toEu8" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zS0Oo6L9tKae" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" title="Entity">Nu Tecnologia S.A ("Nu Tecnologia")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Direct</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Talent E-Hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">UYU</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Uruguay</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuTecnologiaSAMember_zX44Ufu6F3p" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_z4AL2F77CJOb" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" title="Entity">Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera") - former “Akala”</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Multiple purpose financial company</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">MXN</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPMember_zeBRmSYTBy76" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zgZlmdbdznl7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zwEvoWxaHKa6" title="Entity">Nu Pay for Business Instituição de Pagamentos Ltda. ("Spin Pay")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zaTYbxu3S1Z1" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_z0BvdTGjnpVd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Payment hub</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zufHCyDG29Aa" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_zqa3jbNtPHyl" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtdaSpinPayMember_z33kS9oi3eD7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuProdutosLtdaMember_zpKh1SEwtW86" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zKJnExA2yy71" title="Entity">Olivia AI do Brasil Instituição de Pagamento Ltda. ("Olivia Pagamentos")</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zdh7IO7P4523" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zdJeBHvdbicd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">AI Fintech</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zRDQdKmt3dN2" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zD94GOkToprd" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90A_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--OliviaAIDoBrasilInstituicaoDePagamentoLtdaOliviaPagamentosMember_zLetQIFtEkF7" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90E_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zeIF8qJH6nn7" title="Entity">Nu Crypto Ltda.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zd1lluz2Ij35" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zvv2txhUJdbd" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Crypto distribution</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zda4hKF3u0V4" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zQgjwrqrYjsi" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuCryptoLtdaMember_zehmcarBwkw2" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90D_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_z7teexqtrZ93" title="Entity">Nu Colombia Compañía de Financiamiento S.A.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zRi80tWXDmCd" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_ztRnualWNbQc" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Financial intermediary</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zNqj8DYl0lv5" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">COP</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_z8xtlZ5hmEA7" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Colombia</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaCompaniaDeFinanciamientoSAMember_zhR24I0oq2W6" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_z64BgAMZsRI2" title="Entity">Nu Brasil Serviços Ltda.</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zuRWYGvRUMa9" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_z1vZhV5jMLJ2" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Administrative Services</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zUNK2tS99Lj8" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zQCo3GuAWReh" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilServicosLtdaMember_zg5mBg7iogX9" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 7pt"><span id="xdx_906_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zUCFgICi7sd1" title="Entity">Nu Brasil Tecnologia Ltda</span>.</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--Control_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zTRi3UYUJGhl" style="padding: 2pt; text-align: center" title="Control"><span style="font-size: 7pt">Indirect</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--PrincipalActivities_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zGYSm5nnHa1" style="padding: 2pt; text-align: center" title="Principal activities"><span style="font-size: 7pt">Information Technology Activities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FunctionalCurrency_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zH9Fk8MR4tQc" style="padding: 2pt; text-align: center" title="Functional currency"><span style="font-size: 7pt">BRL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zCFll6Z6wjL9" style="padding: 2pt; text-align: center" title="Country of incorporation of subsidiary"><span style="font-size: 7pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuBrasilTecnologiaLtdaMember_zlBZsqnuycM5" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">-</span></td></tr> </table> | |
| CY2022 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
115239000 | usd |
| CY2022 | nu |
Disclosure Of Significant Investments In Subsidiaries Explanatory1
DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1
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<table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1_zkrqPmMtsFOg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Basis of consolidation (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B7_zUQe0TAMbiBc" style="display: none">Additional details of consolidated investment fund</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 82%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Name of the entity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Country</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--NameOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember" title="Name of subsidiary">Fundo de Investimento Ostrum Soberano Renda Fixa Referenciado DI (“Fundo Ostrum”)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20220101__20221231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember" style="padding: 2pt; text-align: center; line-height: 115%" title="Country of incorporation of subsidiary"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td></tr> </table> | |
| CY2022 | ifrs-full |
Disclosure Of Summary Of Significant Accounting Policies Explanatory
DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory
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<p id="xdx_804_eifrs-full--DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory_z6kcEKH2IXNg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">4. <span id="xdx_82B_z2RmUZXvTfei">Significant accounting policies</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The accounting policies described below have been applied consistently through the years presented in these consolidated financial statements.</p> <p id="xdx_849_eifrs-full--DisclosureOfReclassificationOfFinancialInstrumentsExplanatory_zRn2TtpC0Fc8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">a)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_ztNYAXRQyIPi">Financial instruments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Initial recognition and measurement</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and liabilities are initially recognized when the Group becomes a party to the contractual terms of the instrument. The Group determines the classification of its financial assets and liabilities at initial recognition and measures a financial asset or financial liability at its fair value plus or minus, in the case of a financial asset or financial liability not at fair value through profit or loss ("FVTPL"), transaction costs that are incremental and directly attributable to the acquisition or issue of the financial asset or financial liability. Transaction costs of financial assets and financial liabilities carried at fair value through profit or loss are expensed in profit or loss. Immediately after initial recognition, an expected credit loss ("ECL") allowance is recognized for financial assets measured at amortized cost and investments in debt instruments measured at fair value through other comprehensive income ("FVTOCI"), if any.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification and subsequent measurement </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and financial liabilities are classified as FVTPL where there is a requirement to do so or where they are otherwise designated at FVTPL on initial recognition. Financial assets and financial liabilities which are required to be held at FVTPL include:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial assets and financial liabilities held for trading;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Debt instruments that do not have solely payments of principal and interest ("SPPI") characteristics. Otherwise, such instruments must be measured at amortized cost or FVTOCI; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Equity instruments that have not been designated as held at FVTOCI.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and financial liabilities are classified as held for trading if they are derivatives or if they are acquired or incurred mainly for the purpose of selling or being repurchased in the near-term, or form part of a portfolio of financial instruments that are managed together and for which there is evidence of short-term profit-taking.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In certain circumstances, other financial assets and financial liabilities are designated at FVTPL where this results in the more relevant information. This may arise because it significantly reduces a measurement inconsistency that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on a different basis, where the assets and liabilities are managed and their performance evaluated on a fair value basis or, in the case of financial liabilities, where it contains one or more embedded derivatives which are not closely related to the host contract.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The classification and measurement requirements for financial asset debt and equity instruments and financial liabilities are set out below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Financial assets - debt instruments</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Debt instruments are those instruments that meet the definition of financial liability from the issuer's perspective, such as loans and government and corporate bonds.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The classification criteria and subsequent measurement for financial assets depends on the business model for their management and the characteristics of their contractual flows. The business models refer to the way in which the Group manages its financial assets to generate cash flows. In this definition, the following factors are taken into consideration, among others:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">How key management assess and report on the performance of the business model and the financial assets held in the business model;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">The frequency and volume of sales in previous years, as well as expectations of future sales.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Depending on these factors, the asset can be measured at amortized cost, at fair value with changes in other comprehensive income, or at fair value with changes through profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Business model:</i></b> The business model reflects how the Group manages the assets to generate cash flows and, specifically, whether the Group’s objective is solely to (i) collect the contractual cash flows from the assets or (ii) is to collect both the contractual cash flows and cash flows arising from the sale of the assets. If neither of these is applicable, such as where the financial assets are held for trading purposes, then the financial assets are classified as part of an "other” business model and measured at FVTPL. To assess business models, the Group considers risks that affect the performance of the business model; how the managers of the business are compensated; and how the performance of the business model is assessed and reported to Management.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When a financial asset is subject to business models (i) and (ii), the application of the SPPI test is required, as explained below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Solely Payments of Principal and Interest – SPPI test:</i></b> Where the business model is to hold assets to collect contractual cash flows or to collect contractual cash flows and sell, the Group assesses whether the assets’ cash flows represent SPPI. In making this assessment, the Group considers whether the contractual cash flows are consistent with a basic lending arrangement (i.e., interest includes only consideration for the time value of money, credit risk, other basic lending risks, and a profit margin that is consistent with a basic lending arrangement). Where the contractual terms introduce exposure to risk or volatility that is inconsistent with a basic lending arrangement, the related asset is classified and measured at FVTPL. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based on these factors, the Group classifies its instruments into one of the following measurement categories.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: left"><b>Amortized cost: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that are held for collection of contractual cash flows where those cash flows represent SPPI, and that are not designated at FVTPL, are measured at amortized cost. The carrying amount of these assets is adjusted by any ECL recognized and measured. Interest income from these financial assets is included in the statement of profit or loss using the effective interest rate method. When estimates of future cash flows are revised, the carrying amount of the respective financial assets or financial liabilities is adjusted to reflect the new estimate discounted using the original effective interest rate. Any changes are recognized in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: left"><b>FVTOCI: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that are both held for collection of contractual cash flows, where those cash flows represent SPPI, and for sale, depending on the Company's best interests, which are not designated at FVTPL, are measured at fair value through other comprehensive income ("FVTOCI"). The carrying amount of these assets is adjusted by any ECL recognized and measured. Interest income from these financial assets is included in the statement of comprehensive income or loss using the effective interest rate method.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>FVTPL: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that do not meet the criteria for amortized cost or FVTOCI are measured at FVTPL. A gain or loss on a debt instrument that is subsequently measured at FVTPL, including any debt instruments designated at fair value, is recognized in profit or loss, and presented in the statement of profit or loss in the period in which it arises.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group reclassifies financial assets when and only when its business model for managing those assets changes. The reclassification takes place from the start of the first period following the change.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification of financial assets for presentation purposes</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets are classified by nature into the following items in the consolidated statements of financial position:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Cash and cash equivalents;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Securities;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Collateral for credit card operations;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Derivative financial instruments;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Compulsory deposits at central banks;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Credit card receivables and loans to customers;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Other financial assets;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Other receivables;</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Financial liabilities</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as liabilities associated with non-current assets held for sale or they relate to hedging derivatives or changes in the fair value of hedged items in portfolio hedges of interest rate risk, which are reported separately.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are included for measurement purposes in one of the following categories:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities held for trading (at FVTPL): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices and financial derivatives not designated as hedging instruments.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities designated at FVTPL: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group’s key management personnel. Liabilities may only be included in this category on the date when they are incurred or originated. This classification is applied to derivatives, financial liabilities held for trading, and other financial liabilities designated as such at initial recognition. The Group has designated the instruments eligible as capital as fair value through profit or loss at its initial recognition. Gains or losses on financial liabilities designated at fair value through profit or loss are presented partially in other comprehensive income (the amount of change in the fair value of the financial liability that is attributable to changes in the credit risk of that liability) and partially in profit or loss (the remaining amount of change in the fair value of the liability).</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities at amortized cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Convertible instruments </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Convertible instruments, which corresponded to the Company’s senior preferred shares, are separated into the financial liability and equity components based on the terms of the contract. On issuance of the convertible instrument, the fair values of the financial liability components are determined based on their characteristics, using a market rate for an equivalent non-convertible instrument for the contractual obligation to deliver cash and valuation models to the convertible embedded derivative into a variable number of shares. The financial liability due to the obligation to deliver cash is classified as a financial liability measured at amortized cost (net of transaction costs) until it is extinguished on conversion or redemption; and the convertible embedded derivative is measured at fair value and presented as “Derivative financial instruments” in the consolidated statements of financial position. No gain or loss arises from initially recognizing the components of the convertible instrument separately.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On conversion of convertible instruments, the Company derecognizes both the liability and derivative components and recognizes them as equity, without any effect in the statement of profit or loss. The expenses relating to the measurement of the financial liability components are presented as "Results with convertible instruments" in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification of financial liabilities for presentation purposes </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are classified by nature into the following items in the consolidated statements of financial position:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Derivative financial instruments;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Instruments eligible as capital;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Repurchase agreements;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Deposits;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Payables to network;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Borrowings and financing, and securitized borrowings;</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Credit loss allowance of financial assets </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The Group calculates an expected credit loss ("ECL") for its financial assets. This way, ECLs should account for forecast elements such as undrawn limits and macroeconomic conditions that might affect the Group’s receivables.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group calculates different provisions for the financial instruments classified into:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 1 - no significant increase in credit risk (“SICR”);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 2 - significant increase in credit risk subsequent to recognition; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 3 - credit impaired.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based on these concepts, Nu’s approach was to calculate ECL through the probability of default ("PD"), exposure at default ("EAD") and loss given default ("LGD") methodology.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Definitions of stages </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Stage 1 definition – no significant increase in credit risk</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">All receivables not classified in stages 2 and 3.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Stage 2 definition – significant increase in credit risk subsequent to recognition</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group utilizes two guidelines for determining stage 2:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">absolute criteria: the financial asset is more than 30 (thirty) days in arrears; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">relative criteria: in addition to the absolute criteria, the Group analyzes monthly the evolution of the risk of each financial instrument, comparing the current behavior score attributed to a given client with the one given in the moment of recognition of the financial asset. The behavior score considers credit behavior variables, such as delinquency in other products and market data about the client.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">A cure criteria is adopted for stage 2, considering if the financial asset is no longer meeting the significant increase in credit risk criteria as stated above.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Stage 3 definition – credit impaired</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Stage 3 definition follows the definition of default:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">The financial asset is more than 90 (ninety) days in arrears; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">There are indicatives that the financial asset will not be fully paid without a collateral or financial guarantee being triggered.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">Indication that an obligation will not be fully paid includes forbearance of financial instruments that implies advantages being granted to the counterparty following deterioration in the credit quality of the counterparty. </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The group also assumes a cure criteria for stage 3, taking into account triggers that access the payment capacity of the counterparty such as the percentage of the total debt paid or time threshold meeting the debt current obligations</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Lifetime definition</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The maximum period over which expected credit losses shall be measured is the maximum contractual period over which the entity is exposed to credit risk. For loan commitments, this is the maximum contractual period over which an entity has a present contractual obligation to extend credit. Thus, for the lending product, the lifetime is straightforward, being equal to the number of months for the remaining loan installments to be defaulted on.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">However, the credit card includes both a loan and an undrawn commitment component and does not have a fixed term or repayment structure. Thus, the period over which to measure expected credit losses are based on historical information and experience about the length of time for related default to occur on similar financial instruments following a significant increase in credit risk.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Therefore, a study was conducted for the stage 2 credit cards portfolio tracking over a time period to measure how long it takes for the cumulative default rate to stabilize, understanding this as the moment the entity is not expected to be exposed to credit risk.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Forward-looking – macroeconomic scenarios</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The Group calculates the ECL considering the current and future macroeconomic environment. The macroeconomic forecasts are based on market expectations for the main countries the group operates in and include the variables GDP (Growth Domestic Product), inflation, unemployment and basic interest rate. These forecasts are constantly monitored by the Group.</p> <p style="font: 10.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify"><span style="font-size: 10.5pt; line-height: 115%; background-color: white">The Group builds models upside and downside scenarios, which are based on the relationships observed historically with changes in credit risk</span>. The scenarios weighting depends on the Group’s expectations regarding the likelihood of each scenario to happen. The weighting is reviewed whenever there is a substantial change in the economic environment that causes different macroeconomics outlooks’ expectation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The probability of occurrence and their severity are factored into the estimation of the ECL final number. This methodology allows a timelier response to changes in local or global macroeconomic trends.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Measuring ECL</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The final ECL was calculated using the following parameters: </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">PD: it is the likelihood that a receivable will reach default in a time window. For stage 1 customers, PDs are calculated for the next 12-month period, while for stage 2, its calculation is done through the lifetime of the instrument. For stage 3, PD is considered to be 100% since the credit has already defaulted. </td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">EAD: the discounted balance that, in the event of a default, a customer is expected to have. For revolving facilities, it is a function of the customer’s current limit (total credit exposure) and the expected limit utilization percentage at the moment of default. The expected limit utilization is driven by different customer behavior. In contrast the EAD of a personal loan product is the expected balance value at default after considering the installments payments behavior.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">LGD: the percentage expected not to be recovered from a defaulted balance. This ratio represents the present value of the expected losses, after all recoveries are accounted for, divided by the defaulted balances.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 3pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Discount rate: it is the average effective interest rate calculated using historical data.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The parameters mentioned above are segmented in homogeneous risk groups, determined by internal scoring models, relying on, among others, customer behavioral information, internal and external, including delinquency and credit utilization.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Governance around ECL </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s Credit Risk Team has developed the current ECL method. Monthly results are monitored and discussed in appropriate forums involving credit businesses and finance teams.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group assesses the performance of ECL estimations through the following methods:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Back testing: running the model at prior reference dates allows the Group to evaluate how the model’s predictions have paired with actual data.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Coverage duration: while back testing, the Group analyzes how many months it is covered for losses while provisioning the ECL.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Post-Model Adjustments</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Limitations in the Group's provisions model may be identified, and in these circumstances, Management might suggest appropriate adjustments to the Group's provisions by applying post-model adjustments.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Presentation of allowance for ECL in the consolidated statement of financial position</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Loss allowances for ECL are presented in the consolidated statement of financial position as a deduction from the gross carrying amount of the assets. Any excess of the loss allowance over the gross amount is presented as a provision in “Other liabilities”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Write-off </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The Group directly reduces the gross carrying amount of a financial asset when it has no reasonable expectation of recovering it in its entirety or a portion thereof. For unsecured loans, a write-off is made when all internal avenues of collecting the debt have been exhausted, and the debt is handed over to external collection agencies or the Group has no reasonable expectation of recovering further amounts . All balances are written-off, and are subject to enforcement activity. Contact is made with customers with the aim of achieving a realistic and sustainable repayment arrangement.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Recoveries </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Recoveries of credit losses are registered as an income, offset against credit losses, and classified in the consolidated statements of profit or loss as “Credit loss allowance expenses”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Modifications of financial assets </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The factors used by the Group to determine whether there is a substantial modification of a contract are: evaluation if there is a renegotiation that is not part of the original contractual terms, change to contractual cash flows and significant extensions of the term of the transaction due to the debtor's financial constraint and significant changes to the interest rate, among others.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">The major modifications in the Company’s financial assets correspond to changes in contractual cash flows when credit card receivables, current or revolving, are modified to receivables in installments or changes in the installments profile in loans to customers. These modifications occur as a result of commercial restructuring activity or due to the credit risk of the borrower, an assessment must be performed to determine whether the terms of the new agreement are substantially different from the terms of the existing agreement. This assessment considers both the change in cash flows arising from the modified terms as well as the change in overall instrument risk profile.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Where terms are substantially different, the existing receivable will be derecognized and a new one will be recognized at fair value, with any difference in valuation recognized immediately within the statement of profit or loss, subject to observability criteria. Where terms are not substantially different, the receivables carrying value will be adjusted to reflect the present value of modified cash flows discounted at the original effective interest rate, with any resulting gain or loss recognized immediately within the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For ECL purposes, any modification that implies a forbearance will be recognized as stage 3. A forbearance implies advantages being granted to the counterparty as a result of deterioration in the credit quality of the counterparty. For this definition, the following are considered advantages (i) any material discounts applied to the current obligation and (ii) changes in prices that do not represent the customer credit risk profile.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Derivative financial instruments </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Derivatives are contracts or agreements whose value is derived from one or more underlying indexes or asset values inherent in the contract or agreement, which require little or no initial net investment and are settled at a future date. Transactions are undertaken in interest rate, cross-currency, and other index related swaps and forwards.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Derivatives are held for risk management purposes and are classified as held for trading unless they are designated as being in a hedge accounting relationship. Derivatives are recognized initially at cost (on the date on which a derivative contract is entered into) and are subsequently re-measured at their fair value. Fair values of exchange-traded derivatives are obtained from quoted market prices. Fair values of over-the-counter derivatives are estimated using valuation techniques, including discounted cash flow and option pricing models.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A derivative contract is presented as an asset or as a liability according to its fair value at the reporting date, except where netting is permitted. The method of recognizing fair value gains and losses depends on whether derivatives are held for trading or are designated as hedging instruments and, if the latter, the nature of the risks being hedged. Gains and losses from changes in the fair value of derivatives held for trading are recognized in the consolidated statements of profit or loss and included within “Interest income and gains (losses) on financial instruments”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Hedge accounting</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group applies hedge accounting to represent the economic effects of its risk management strategies. At the time a financial instrument is designated as a hedge (i.e., at the inception of the hedge), the Group formally documents the relationship between the hedging instrument(s) and hedged item(s), its risk management objective and strategy for undertaking the hedge. The documentation includes the identification of each hedging instrument and the respective hedged item, the nature of the risk being hedged and how the hedging instrument’s effectiveness in offsetting the exposure to changes in the hedged item’s fair value attributable to the hedged risk is to be assessed. Accordingly, the Group formally assesses, both at the inception of the hedge and on an ongoing basis, whether the hedging derivatives have been and will be highly effective in offsetting changes in the fair value attributable to the hedged risk during the period that the hedge is designated.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">A hedge is usually regarded as highly effective if, at inception and throughout its life, the Group can expect, and actual results indicate, that changes in the fair value or cash flow of the hedged items are effectively offset by changes in the fair value or cash flow of the hedging instrument. If, at any point, it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Where derivatives are held for risk management purposes, and when transactions meet the required criteria for documentation and hedge effectiveness, the derivatives may be designated as either: (i) hedges of the change in fair value of recognized assets or liabilities or firm commitments (fair value hedges); (ii) hedges of the variability in highly probable future cash flows attributable to a recognized asset or liability, or a forecast transaction (cash flow hedges); or (iii) a hedge of a net investment in a foreign operation (net investment hedges). The Group applies cash flow hedge accounting in the subsidiary Nu Pagamentos that is exposed to foreign currency risk (dollar and euro) on forecast transactions, as described below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(i) Cash flow hedge accounting</b> - The effective portion of changes in the fair value of qualifying cash flow hedges are recognized in other comprehensive income or loss in the cash flow hedge reserve. The gain or loss relating to the ineffective portion is recognized immediately in the statement of profit or loss. Amounts accumulated in equity are reclassified to the statement of profit or loss in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognized in the statement of profit or loss when the forecast transaction is ultimately recognized in the statement of profit or loss. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the statement of profit or loss. The Group is exposed to foreign currency risk on forecast transactions, mainly expenses related to the cost of services and administrative expenses.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(ii) Portfolio Hedge</b> - The Group holds portfolios of customers’ lending and refinancing of credit cards receivables at fixed interest rates, which creates market risk due to changes of the Brazilian interbank deposits’ (CDI) benchmark rate. Thus, to protect the fixed rate risk from CDI variation, the Group entered into future DI contracts to offset the market risk, and applied hedge accounting aiming to eliminate differences between the accounting measurement of its derivatives and hedged items which are adjusted to reflect changes in CDI.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s overall hedging strategy is to reduce fair value changes of a portion of the fixed rate portfolio. As such, in order to reflect the dynamic nature of the hedged portfolio, the strategy is to rebalance the future DI contracts and evaluate the allocated amount by the credit portfolio. Additionally, ineffectiveness could arise from the disparity between expected and actual prepayments (prepayment risk).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In accordance with its hedging strategy, the Group calculates the DV01 (delta value of a basis point) of the exposure and futures to identify the optimal hedging ratio, and monitors in a timely manner the hedge relationship, providing any rebalancing if needed. The need for the purchase or sale of new future DI contracts will be assessed, to counterbalance the hedged item’s market value adjustment, aiming to assure hedge effectiveness between 80% and 125%, as determined in the hedge documentation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The effectiveness test for the hedge is done in a prospective and retrospective way. In the prospective test, the Group compares the impact of a 1 basis point parallel shift on the interest rate curve (DV01) on the hedged object and on the hedge instrument market value. For the retrospective test, the market-to-market value change since the inception of the hedged object is compared to the hedge instrument. In both cases, the hedge is considered effective if the correlation is between 80% and 125%.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For designated and qualifying fair value hedges, the cumulative change in the fair value of the hedging derivative and of the hedged item attributable to the hedged risk is recognized in the consolidated statement of profit or loss in "Interest income and gains (losses) on financial instruments - financial assets at fair value". In addition, the cumulative change in the fair value of the hedged item attributable to the hedged risk is recorded as part of the carrying value of the hedged item in the consolidated statement of financial position.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(iii) Hedge of corporate and social security taxes over share-based compensation -</b>The Group's hedge strategy is to cover the future cash disbursement related to highly probable future transactions and accrued liabilities for corporate and social security taxes at Restricted stock units (RSU) vesting or Stock Options (SOP) exercise from the variation of the Company's share price volatility. The derivative financial instruments used to cover the exposure are total return swaps ("TRS") in which one leg is indexed to the Company's stock price and the other leg is indexed to Secured Overnight Financing Rate ("SOFR") plus spread. The stock fixed at the TRS is a weighted average price. The hedge was entered by Nu Holdings and therefore there is no income tax effect.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group applies the cash flow hedge for the hedge structure hence the market risk is replaced by an interest rate risk. The effectiveness assessment is performed monthly by (i) assessing the economic relationship between the hedged item and the hedging instrument; (ii) monitoring the credit risk impact in the hedge effectiveness; and (iii) maintaining or updating the hedging ratio. Given the possibility of forfeiture impacting the future cash forecast of the employee benefit plan, the Group under hedges the exposure to reduce the risk of ineffectiveness. The derivative fair value is measured substantially based on the stock price which is also used in the measurement of the provision or payable for corporate and social security taxes, therefore there is no expectation for a mismatch to exist between the hedged item and hedging instrument at maturity other than the SOFR.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Offsetting financial assets and liabilities</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial asset and liability balances, including derivatives, are offset (i.e., reported in the statements of financial position at their net amount) only if the Group entities have a legally enforceable right to set off the recognized amounts and intend either to settle on a net basis, or to realize the asset and settle the liability simultaneously. The Group has not offset financial assets or liabilities.</p> <p id="xdx_844_eifrs-full--DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_zA6YmQnXR9Ba" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">b)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_865_zWV2xWOeJSL9">Fair value</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Fair value is defined as the price that would be received for an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date. The fair value accounting guidance provides a three-level fair value hierarchy for classifying financial instruments. This hierarchy is based on the markets in which the assets or liabilities trade and whether the inputs to the valuation techniques used to measure fair value are observable or unobservable. The fair value measurement of a financial asset or liability is assigned a level based on the lowest level of any input that is significant to the fair value measurement in its entirety. The three levels of the fair value hierarchy are described below:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Level 1: </b>Valuation is based on quoted prices (unadjusted) in active markets for identical assets or liabilities.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Level 2:</b> Valuation is based on observable market-based inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Level 3:</b> Valuation is generated from techniques that use significant assumptions, not observable in the market. Valuation techniques include pricing models, discounted cash flow methodologies, or similar techniques.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted prices in active markets or observable market parameters. When quoted prices and observable data in active markets are not fully available, management judgment is necessary to estimate fair value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Valuation techniques include net present value and discounted cash flow models, comparison with similar instruments for which observable market prices exist, Black-Scholes pricing model and other valuation models. Assumptions and inputs used in valuation techniques include risk-free and benchmark interest rates, credit spreads and other inputs used in estimating discount rates. The availability of observable market prices and model inputs reduces the need for management judgment and estimation and also reduces the uncertainty associated with determining fair values.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Changes in market conditions, such as reduced liquidity in the capital markets or changes in secondary market activities, may reduce the availability and reliability of quoted prices or observable data used to determine fair value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Significant judgment may be required to determine whether certain financial instruments measured at fair value are classified as Level 2 or Level 3. In making this determination, the Group considers all available information that market participants use to measure the fair value of the financial instrument, including observable market data, indications of market liquidity and orderliness, and Group’s understanding of the valuation techniques and significant inputs used. Based upon the specific facts and circumstances of each instrument or instrument category, judgments are made regarding the significance of the Level 3 inputs to the instruments’ fair value measurement in its entirety. If Level 3 inputs are considered significant, the instrument is classified as Level 3. The process for determining fair value using unobservable inputs is generally more subjective and involves a high degree of management judgment and assumptions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has in place controls to ensure that the fair value measurements are appropriate and reliable, including review and approval of new transaction types, price verification, and review of valuation judgments, methods, models, process controls, and results.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The financial instruments measured at fair value at the reporting date by the level in the fair value hierarchy are disclosed in note 26.</p> <p id="xdx_847_eifrs-full--DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory_zV8CKAXDWDPj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">c)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86C_zMaF1hjcAXy">Accounting for acquisitions</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Business combinations are accounted for using the acquisition method. The cost of an acquisition is measured as the aggregate of the consideration transferred, which is measured at acquisition date at fair value, and the amount of any non-controlling interests in the acquiree. For each business combination, the Company elects whether to measure the non-controlling interests in the acquiree at fair value, if any, or at the proportionate share of the acquiree’s identifiable net assets. Acquisition-related costs are expensed as incurred and included in administrative expenses.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company determines that it has acquired a business when the acquired set of activities and assets include an input and a substantive process that together significantly contribute to the ability to create outputs. The acquired process is considered substantive if it is critical to the ability to continue producing outputs, and the inputs acquired include an organized workforce with the necessary skills, knowledge, or experience to perform that process or it significantly contributes to the ability to continue producing outputs and is considered unique or scarce or cannot be replaced without significant cost, effort, or delay in the ability to continue producing outputs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When the Company acquires a business, it assesses the financial assets and liabilities assumed for appropriate classification and designation in accordance with the contractual terms, economic circumstances, and pertinent conditions as at the acquisition date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Any contingent consideration to be transferred by the acquirer will be recognized at fair value at the acquisition date. Contingent consideration classified as equity is not re-measured and its subsequent settlement is accounted for within equity<span style="font-size: 12pt; line-height: 115%">.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p id="xdx_84C_ecustom--DescriptionOfRevenueRecognitionCostsExplanatory_zjC6KEKirwG1" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">d)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86F_zkaicerCsqMi">Revenue recognition</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Interest income and gains (losses) on financial instruments</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Interest income on loans, credit card operations (revolving and interest-bearing installment transactions) and short-term investments are calculated using the effective interest method, which allocates interest, and direct and incremental fees and costs over the expected lives of the assets. For the revolving balances, the interest is calculated from the due date of the credit card bill that was not fully paid. Gains (losses) on financial instruments comprises the changes in fair value recognized in the statement of profit or loss.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b><i>Fee and commission income</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">Fee and commission income are shown net of federal revenue taxes. The underlying principle applied in revenue recognition is to recognize revenue as the Group transfers goods or services to customers at an amount that the Group expects to be entitled to in exchange for those goods or services.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>i)</i></b></td><td style="text-align: justify"><b><i>Interchange fees</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Interchange fees represent revenues to authorize and provide settlement on credit and debit card transactions processed through the Mastercard networks and are determined as a percentage of the total payment processed. Interchange fees, net of Rewards revenues, are recognized and measured upon recognition of the transaction with the interchange networks, when performance obligation is considered satisfied. The interchange rates agreed with Mastercard are fixed and are dependent on the segment of each merchant. Amount due from Mastercard related to the interchange income is withheld from the amount to be paid to Mastercard.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>ii)</i></b></td><td style="text-align: justify"><b><i>Rewards revenues</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Reward revenue comprises revenues related to the Nu’s Rewards subscription fee and the related interchange fee, initially apportioned in accordance with the relative stand-alone selling prices of the performance obligation assumed, as described below in item “Deferred income”. It is recorded in the income statement when the performance obligation is satisfied, which is when the reward points are redeemed by the customers.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>iii)</i></b></td><td style="text-align: justify"><b><i>Recharge fees</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Recharge fees are recognized at the date the customers acquire the right to the telecom services and comprises the selling price of telecom prepaid cards to customers, net of its acquisition costs.</p> <p id="xdx_848_ecustom--DescriptionOfExpensesExplanatory_zru4jbGCL3D7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">e)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zYJP3ng4s30k">Expense recognition</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Expenses are recorded in the statement of profit or loss under the accrual method, regardless of receipt or payment.</p> <p id="xdx_84C_eifrs-full--DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents_z9bEBoerGOr8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">f)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_868_zMItyuAcxXL9">Cash and cash equivalents</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Cash and cash equivalents include (i) bank deposits in local institutions and abroad and highly liquid short-term investments with original maturities up to 90 days, convertible into a known amount of cash, subject to insignificant risk of change in value and used for cash management of short-term commitments and not for investment and financing purposes; and (ii) balances with central banks which are part of the Group’s liquidity management activities<span style="font-size: 12pt; line-height: 115%">.</span></p> <p id="xdx_845_ecustom--DisclosureOfCreditCardReceivablesExplanatory_zMOFzimgw2pb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">g)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_z3ZJyQ8lA12h">Credit card receivables</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Credit card receivables are reported at their amortized cost, net of the credit card ECL allowance.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Chargebacks refer to the amounts disputed by clients generally due to fraud transactions on the Mastercard network process. Losses are recorded based on the estimated amount expected to be reduced from the Group’s client’s receivables when the event impacting the client occurred on activities that the Company is responsible for on the referred network.</p> <p id="xdx_845_ecustom--DisclosureOfLoansToCustomersExplanatory_zCK0fH29xPgc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">h)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zslAmAgZGHC4">Loans to customers</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Loans to customers are related to Nu’s lending products. The personal loans can be paid in 1 to 48 installments, depending on the conditions agreed on Nu’s app. Loans are reported at their amortized cost, which is the outstanding principal balance, adjusted for any unearned income, unamortized deferred fees and costs, unamortized premiums and discounts, and charge-offs. Loans are reported net of the estimated uncollectible amount (loan ECL allowance)<span style="font-size: 12pt; line-height: 115%">.</span></p> <p id="xdx_847_eifrs-full--DescriptionOfAccountingPolicyForLeasesExplanatory_zradp5FZsjac" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">i)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zNMVcZIhNsGj">Leasing</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>The Group as a lessee</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For any new contracts entered on or after January 1, 2019, the Group considers whether a contract is, or contains a lease. A lease is defined as “a contract, or part of a contract, which conveys the right to use an asset (the underlying asset) for a period of time in exchange for consideration”. To apply this definition, the Group assesses whether the contract meets three criteria, which are whether:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the contract contains an identified asset, which is either explicitly identified in the contract or implicitly specified by being identified at the time the asset is made available to the Group;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the Group has the right to obtain all of the economic benefits from use of the identified asset throughout the period of use substantially, considering its rights within the defined scope of the contract; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the Group has the right to direct the use of the identified asset throughout the period of use. The Group assesses whether it has the right to direct ‘how and for what purpose’ the asset is used throughout the period of use.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Measurement and recognition of leases as a lessee </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the lease commencement date, the Group recognizes a right-of-use asset and a lease liability on the balance sheet. The right-of-use asset is measured at cost, which is made up of the initial measurement of the lease liability, any initial direct costs incurred by the Group, an estimate of any costs to dismantle and remove the asset at the end of the lease, and any lease payments made in advance of the lease commencement date (net of any incentives received).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group depreciates the right-of-use assets on a straight-line basis from the lease commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of the lease term. The Group also assesses the right-of-use asset for impairment when such indicators exist.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the commencement date, the Group measures the lease liability at the present value of the lease payments unpaid at that date, discounted using the interest rate implicit in the lease if that rate is readily available or the Group’s incremental borrowing rate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Lease payments included in the measurement of the lease liability are made up of fixed payments (including in substance fixed), variable payments based on an index or rate, amounts expected to be payable under a residual value guarantee, and payments arising from options reasonably certain to be exercised.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Subsequent to initial measurement, the liability will be reduced for payments made and increased for interest. It is re-measured to reflect any reassessment or modification, or if there are changes on in-substance fixed payments.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When the lease liability is re-measured, the corresponding adjustment is reflected in the right-of-use asset, or profit and loss if the right-of-use asset is already reduced to zero.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has elected to account for short-term leases and leases of low-value assets using the practical expedients. Instead of recognizing a right-of-use asset and lease liability, the payments in relation to these are recognized as an expense in profit or loss on a straight-line basis over the lease term.</p> <p id="xdx_84D_eifrs-full--DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_zJM733s3RW7d" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">j)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_zhBCKceebfba">Property, plant and equipment and intangible assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Property, plant, and equipment are measured at historical cost less accumulated depreciation. Cost includes expenditures that are directly attributable to the acquisition of the asset and are depreciated from the date they are available for use. Depreciation is calculated to amortize the cost of items of fixed assets less their estimated residual values using the linear method based on the useful economic life of the items and is reviewed annually and adjusted prospectively if appropriate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Intangible assets acquired separately are measured on initial recognition at cost. The cost of intangible assets acquired in a business combination is their fair value at the date of acquisition. Intangible assets, including software and other assets, are recognized if they arise from contractual or other legal rights or if they are capable of being separated or divided from the Group and sold, transferred, licensed, rented, or exchanged. Intangible assets with finite useful lives are amortized on a straight-line basis over their estimated useful lives and are evaluated for impairment whenever events or changes in circumstances indicate the carrying amount of the assets.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Directly attributable expenditures related to internally generated intangible assets, mainly software systems, are capitalized from the date on which the entity is able to demonstrate, among others, its technical feasibility, intention to complete, ability to use and can demonstrate probable future economic benefits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Expenditures for improvements in third-party real estate are amortized over the term of the property lease.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">The useful life of fixed and intangible assets items are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfEstimatedUsefulLives_zLkNkQ8LlR0e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zbitlbuhiRM2" style="display: none">The useful life of fixed and intangible assets </span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; width: 66%; text-align: left"><span style="font-size: 8pt">Furniture and other office equipment</span></td> <td style="padding: 2pt; width: 14%; text-align: left"> </td> <td style="padding: 2pt; width: 20%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--FixturesAndFittingsMember_zGJvmS6Nqocd" title="Useful life measured as period of time, property, plant and equipment">10</span> years</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Computer equipment</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--ItEquipmentMember_zJa8eJcaPFdd" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Software</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_902_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--SoftwareMember_zqjxnUHn3A3h" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> </table> <p id="xdx_8A3_znH5MGEPhP5g" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Intangible assets arising from business combinations have specific useful lives, determined during purchase price allocation procedures. </span></p> <p id="xdx_84D_eifrs-full--DisclosureOfGoodwillExplanatory_zgyJoWsds5Wc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">k)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_865_zn0m8CgxZRs">Goodwill</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Goodwill is initially measured at cost, being the excess of the aggregate of the consideration transferred and the amount recognized for any non-controlling interests and any previous interest held over the net identifiable assets acquired and liabilities assumed. If the fair value of the net assets acquired is in excess of the aggregate consideration transferred, the Company re-assesses whether it has correctly identified all of the assets acquired and all of the liabilities assumed and reviews the procedures used to measure the amounts to be recognized at the acquisition date. If the reassessment still results in an excess of the fair value of net assets acquired over the aggregate consideration transferred, then the gain is recognized in profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Goodwill is not amortized but is tested for impairment annually or more frequently if adverse circumstances indicate that it is more likely than not that the carrying amount exceeds its fair value. These indicators could include a sustained, significant decline in the Company’s stock price, a decline in expected future cash flows, significant disposition activity, a significant adverse change in the economic or business environment, and the testing for recoverability of a significant asset group, among others.</p> <p id="xdx_849_ecustom--ImpairmentOfNonfinancialAssetsPolicyExplanatory_zcnoVtXPN7Bg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">l)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zavsgV5FbKbj">Impairment of non-financial assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At each reporting date, or more frequently when events or changes in circumstances dictate, property, plant and equipment and intangible assets with a defined useful life are assessed for indicators of impairment. If indications are present, these assets are subject to an impairment review.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The carrying values of property, plant and equipment, goodwill and other intangible assets are written down by the amount of any impairment and the loss is recognized in the statement of profit or loss in the period in which it occurs. A previously recognized impairment loss relating to property, plant and equipment may be reversed in part or in full when a change in circumstances leads to a change in the estimates used to determine the property, plant, and equipment recoverable amount. The carrying amount of the property, plant and equipment will only be increased up to the amount that would have been had the original impairment not been recognized.</p> <p id="xdx_844_ecustom--DisclosureOfOtherAssetsOnePolicyTextBlock_zCvBdSwPhTub" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">m)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86D_zuB6EFznEJn5">Other assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other assets include the amount of assets not recorded in other items, including prepaid expenses and deferred expenses. Deferred expenses are mostly related to certain issuance costs incurred on the credit and debit card operations, as embossing and shipping costs, among others. Card issuance costs are amortized over the card's expected life, adjusted for any cancellations.</p> <p id="xdx_840_eifrs-full--DisclosureOfDepositsFromBanksExplanatory_znHN2tLxvCP7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">n)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_864_zm167AHCH4Ee">Deposits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Corresponds to</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">amounts deposited by customers mainly in:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">“NuConta”;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">Bank Receipt of Deposits ("RDB") and Linked Bank Receipt of Deposits (“RDB-V”);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(iii)</td><td style="text-align: justify">Time deposits; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(iv)</td><td style="text-align: justify">Other deposits.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For those deposits, the interest expense is recognized using the effective interest rate method.</p> <p id="xdx_842_ecustom--DisclosureOfPayablesToNetworkExplanatory_z6jkUB1xsJgg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">o)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_863_zSSiChVevM9h">Payables to network</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Payables to networks correspond to financial liabilities recognized at amortized cost to be paid through clearing houses to the credit card brand Mastercard and to other clearing houses that are also part of the credit card network.</p> <p id="xdx_845_ecustom--DisclosureOfDepositsFromBanksPolicytextBlock_zZCZAMfzkun" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">p)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zLzkeqj6Wfyl">Borrowings and financing</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Correspond to borrowings obtained with third parties that are initially recognized at cost and subsequently at amortized cost using the effective interest rate.</p> <p id="xdx_843_eifrs-full--DisclosureOfDeferredIncomeExplanatory_zXNpDnPXv6d7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">q)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86B_zXprnlEBonbe">Deferred income</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Primarily comprises revenues related to the Rewards which is initially apportioned, from the interchange and reward fees charged to customers, in accordance with the relative stand-alone selling prices of the performance obligation assumed. The revenues apportioned are recorded as deferred income until it is recorded in the income statement when the performance obligation is satisfied. Deferred income also contains amounts related to the rewards fees which are paid annually by customers until they are earned by the Company and are included on the Rewards revenue apportion calculation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group evaluates the deferred income amount and the assumptions based on developments in redemption patterns, changes to the terms and conditions of the rewards program and other factors<span style="font-size: 12pt; line-height: 115%">.</span></p> <p id="xdx_841_ecustom--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock_zo55WD2H2T16" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">r)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_861_zrqEpmjrFmej">Provisions and contingent assets and liabilities</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Provisions are accounted to cover present obligations at the reporting date arising from past events which could give rise to a loss for the Group, which is considered probable to occur and certain as to its nature but uncertain as to its amount and/or timing.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Contingent liabilities are possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the Group. Contingent liabilities also include possible obligations of the Company and its subsidiaries for which it is not probable that an outflow of resources embodying economic benefits will be required to settle them and, therefore, the Group does not recognize a liability. Instead, the Group disclose in the financial statements the contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Contingent assets are possible assets that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the Group. Contingent assets are not recognized in the consolidated statement of financial position or in the consolidated statement of profit or loss, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">These consolidated financial statements include all the material provisions with respect to which it is considered that it is probable to occur and to be settled. Provisions are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at each reporting period and are fully or partially reversed when such obligations cease to exist or are reduced.</p> <p id="xdx_843_eifrs-full--DisclosureOfGeneralAndAdministrativeExpenseExplanatory_zkGCQ8KYiXgb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">s)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_869_zRMtcLZDT8rg">Provision for lawsuits and administrative proceedings</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company and its subsidiaries are subject to certain court and administrative proceedings arising from the ordinary course of their operations. Those proceedings are classified according to their likelihood of loss as:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Probable</b>: liabilities are recognized on the consolidated statements of financial position as “provision for lawsuits and administrative proceedings”;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Possible</b>: disclosed in the financial statements, but for which no provision is recognized; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Remote</b>: require neither provision nor disclosure on the financial statements.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The amount of court escrow deposits is adjusted in accordance with current legislation.</p> <p id="xdx_84A_eifrs-full--DisclosureOfOtherLiabilitiesExplanatory_zlb3aL79ug68" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">t)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86E_zn73ZvrH8rr5">Other liabilities</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other liabilities include the balances of any other liabilities not included in other categories.</p> <p id="xdx_844_eifrs-full--DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_zc5A8nnaRWQe" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">u)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zzYkUIbkWQr8">Share premium reserve</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Share premium is the difference between the fair value of the consideration receivable for the issue of shares and the nominal value of the shares. The share premium account can only be used for limited purposes.</p> <p id="xdx_84B_ecustom--SharebasedPaymentsPolicyExplanatory_zB9mrdd31A44" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">v)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86D_zLbkJwpzKGY8">Share-based payments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group maintains a long-term incentive plan, structured through grants of stock options (“SOPs”), restricted stock units (“RSUs”) and awards linked to market conditions ("Awards"). The objective is to provide to the Group's employees the opportunity to become shareholders of the Company, creating greater alignment of the interests of key employees with those of shareholders and allowing the Group to attract and retain key employees. These share-based payments are classified as equity-settled share-based payment transactions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Share-based payments expenses are recorded based on the fair value at the grant date. Following the IPO, the fair value is determined based on the publicly traded share price, and before that date, it was estimated using different valuation models. Significant judgment is required when determining the inputs into the fair value model. The fair values of SOPs, RSUs and Awards granted are recognized as an expense over the period in which they vest for SOP and RSUs or expected to vest for Awards. The vesting requirements are basically related to the passage of time for SOPs and RSUs and market conditions and passage of time for Awards. The Group recognizes the expenses considering the individual vesting tranches of the SOPs and RSUs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group revises its estimate of the number of SOPs and RSUs that will vest based on the historical experience at each reporting period. The Group recognizes the impact of the revision to original estimates, if any, in the statement of profit or loss and the accumulated loss reserve in equity. The Awards' expected vesting period is not subsequently revised, and the expenses are recorded irrespective of whether that market condition is satisfied.</p> <p id="xdx_84B_eifrs-full--DisclosureOfEmployeeBenefitsExplanatory_zMKl3xos6TTl" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">w)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_861_zfWFL6r3Bm3e">Short-term employee benefits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Short-term employee benefit obligations are measured on an undiscounted basis and are incurred as an expense as the corresponding service is provided. The liability is recognized for the amount expected to be paid for the short-term if there is a present legal or constructive obligation to pay and if the amount can be estimated reliably.</p> <p id="xdx_840_eifrs-full--DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory_zW2dN0E9NGdd" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">x)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_z5loUA5dEKi1">Income taxes, including deferred taxes</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Income tax payable on profits, based on the applicable tax law in each jurisdiction, is recognized as an expense in the period in which profits arise. The tax expense represents the sum of the income tax currently payable and deferred income tax.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Holdings is incorporated in the Cayman Islands which does not impose corporate income taxes or tax capital gains. In Brazil, the country in which the Group’s most significant subsidiaries operate, income tax is comprised of IRPJ (income tax for companies) and CSLL (social contribution on profits), with rates as shown below<span style="font-size: 12pt; line-height: 115%">.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_zwjz7arw9Ys9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zzS4AraH2mP2" style="display: none">CSLL (social contribution on profits), with rates as shown below</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center"><span style="font-size: 9pt"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center"><span style="font-size: 9pt"><b>Rate (2022)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center"><span style="font-size: 9pt"><b>Rate (2021)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_907_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z4fi4UgEximd" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_905_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zKeCNHVB5Vv7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90F_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zgYOeFsaWRu7" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zpxag2V81mm1" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90D_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zhIjLm2jQZ14" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zOvp4cMBpvwc" title="Surcharge">16</span>% between August and December/2022</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--CSLLMember_zhtvskSruat8" title="Applicable tax rate">15</span>%</span></td></tr> </table> <p id="xdx_8A9_zfSLilNbdZx6" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Taxable profit differs from net profit as reported in the statement of profit or loss because it excludes items of income or expense that are taxable or deductible in other years and it further excludes items that are never taxable or deductible. The liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the balance sheet date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Current tax liability for the current or prior period is measured at the amount expected to be paid to the tax authorities. The Group considers whether it is probable that a taxation authority will accept an uncertain tax treatment. If the Group considers probable that the taxation authority will accept an uncertain tax treatment, the Group determines the taxable profit (tax loss), tax bases, unused tax losses, unused tax credits or tax rates consistently with the tax treatment used or planned to be used in its income tax filings. When the Group concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the effect of uncertainty is reflected in determining the related taxable profit (tax loss), tax bases, unused tax losses, unused tax credits or tax rates using either of the following methods:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the most likely amount - the single most likely amount in a range of possible outcomes or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the expected value - the sum of the probability-weighted amounts in a range of possible outcomes.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred income tax is the tax expected to be payable or recoverable on income tax losses available to carry forward and on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the consolidated financial statements. It is accounted for using the balance sheet liability method. Deferred tax liabilities are generally recognized for all temporary taxable differences, and deferred tax assets are recognized to the extent that it is probable that taxable profits will be available against which the assets may be utilized as they reverse.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred tax is calculated at the tax rates that are expected to apply in the period when the liability is settled, or the asset is realized based on rates enacted or substantively enacted at the balance sheet date. Deferred tax is charged or credited in the statement of profit or loss, except when it relates to items recognized in other comprehensive income or directly in equity, in which case the deferred tax is also recognized in other comprehensive income or directly in equity.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group reviews the carrying amount of deferred tax assets at each balance sheet date and reduces it to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred tax relating to fair value re-measurements of financial instruments accounted for at FVTOCI and cash flow hedging instruments is charged or credited directly to other comprehensive income and is subsequently recognized in the statement of profit or loss when the deferred fair value gain or loss is recognized in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred and current tax assets and liabilities are only offset when they arise in the same tax reporting group and where there is both the legal right and the intention to settle on a net basis or to realize the asset and settle the liability simultaneously.</p> <p id="xdx_848_eifrs-full--EarningsPerShareExplanatory_zN4FVxfeSMxg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">y)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zXHPXBSbnaff">Earnings per share</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Basic earnings per share is calculated by dividing the profit attributable to owners of the Company by the weighted average number of ordinary shares outstanding during the year, excluding treasury shares.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Diluted earnings per share adjusts the figures used in the determination of basic earnings per share to take into account the after income tax effect of interest and other financing costs associated with dilutive potential ordinary shares, and the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all dilutive potential ordinary shares.</p> <p id="xdx_84F_ecustom--DescriptionOfAccountingPolicyForCryptoCurrencyExplanatory_zHWncmEIlkJa" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">z)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zyg5tYMGX6q9">Crypto currency</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Company accounts for investment in crypto currency as intangible assets based on the cost of acquisition, adjusted for impairment. The cost of the crypto assets includes the purchase price and related transaction costs.</p> <p id="xdx_843_ecustom--CustomerCryptoSafeguardingPolicy_zTFWIrUM81wh" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">aa)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_868_zlKrpdjKGWC1">Customer crypto safeguarding</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group accounts for a safeguarding liability and a corresponding asset both at the fair value of the crypto assets held by customers on the Group's platform. <span style="background-color: white">Assets and liabilities have the same value and do not impact the income statement, unless there are losses related to the safeguarding activity. </span></p> | |
| CY2022 | ifrs-full |
Disclosure Of Reclassification Of Financial Instruments Explanatory
DisclosureOfReclassificationOfFinancialInstrumentsExplanatory
|
<p id="xdx_849_eifrs-full--DisclosureOfReclassificationOfFinancialInstrumentsExplanatory_zRn2TtpC0Fc8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">a)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_ztNYAXRQyIPi">Financial instruments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Initial recognition and measurement</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and liabilities are initially recognized when the Group becomes a party to the contractual terms of the instrument. The Group determines the classification of its financial assets and liabilities at initial recognition and measures a financial asset or financial liability at its fair value plus or minus, in the case of a financial asset or financial liability not at fair value through profit or loss ("FVTPL"), transaction costs that are incremental and directly attributable to the acquisition or issue of the financial asset or financial liability. Transaction costs of financial assets and financial liabilities carried at fair value through profit or loss are expensed in profit or loss. Immediately after initial recognition, an expected credit loss ("ECL") allowance is recognized for financial assets measured at amortized cost and investments in debt instruments measured at fair value through other comprehensive income ("FVTOCI"), if any.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification and subsequent measurement </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and financial liabilities are classified as FVTPL where there is a requirement to do so or where they are otherwise designated at FVTPL on initial recognition. Financial assets and financial liabilities which are required to be held at FVTPL include:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial assets and financial liabilities held for trading;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Debt instruments that do not have solely payments of principal and interest ("SPPI") characteristics. Otherwise, such instruments must be measured at amortized cost or FVTOCI; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Equity instruments that have not been designated as held at FVTOCI.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets and financial liabilities are classified as held for trading if they are derivatives or if they are acquired or incurred mainly for the purpose of selling or being repurchased in the near-term, or form part of a portfolio of financial instruments that are managed together and for which there is evidence of short-term profit-taking.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In certain circumstances, other financial assets and financial liabilities are designated at FVTPL where this results in the more relevant information. This may arise because it significantly reduces a measurement inconsistency that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on a different basis, where the assets and liabilities are managed and their performance evaluated on a fair value basis or, in the case of financial liabilities, where it contains one or more embedded derivatives which are not closely related to the host contract.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The classification and measurement requirements for financial asset debt and equity instruments and financial liabilities are set out below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Financial assets - debt instruments</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Debt instruments are those instruments that meet the definition of financial liability from the issuer's perspective, such as loans and government and corporate bonds.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The classification criteria and subsequent measurement for financial assets depends on the business model for their management and the characteristics of their contractual flows. The business models refer to the way in which the Group manages its financial assets to generate cash flows. In this definition, the following factors are taken into consideration, among others:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">How key management assess and report on the performance of the business model and the financial assets held in the business model;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">The frequency and volume of sales in previous years, as well as expectations of future sales.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Depending on these factors, the asset can be measured at amortized cost, at fair value with changes in other comprehensive income, or at fair value with changes through profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Business model:</i></b> The business model reflects how the Group manages the assets to generate cash flows and, specifically, whether the Group’s objective is solely to (i) collect the contractual cash flows from the assets or (ii) is to collect both the contractual cash flows and cash flows arising from the sale of the assets. If neither of these is applicable, such as where the financial assets are held for trading purposes, then the financial assets are classified as part of an "other” business model and measured at FVTPL. To assess business models, the Group considers risks that affect the performance of the business model; how the managers of the business are compensated; and how the performance of the business model is assessed and reported to Management.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When a financial asset is subject to business models (i) and (ii), the application of the SPPI test is required, as explained below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Solely Payments of Principal and Interest – SPPI test:</i></b> Where the business model is to hold assets to collect contractual cash flows or to collect contractual cash flows and sell, the Group assesses whether the assets’ cash flows represent SPPI. In making this assessment, the Group considers whether the contractual cash flows are consistent with a basic lending arrangement (i.e., interest includes only consideration for the time value of money, credit risk, other basic lending risks, and a profit margin that is consistent with a basic lending arrangement). Where the contractual terms introduce exposure to risk or volatility that is inconsistent with a basic lending arrangement, the related asset is classified and measured at FVTPL. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based on these factors, the Group classifies its instruments into one of the following measurement categories.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: left"><b>Amortized cost: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that are held for collection of contractual cash flows where those cash flows represent SPPI, and that are not designated at FVTPL, are measured at amortized cost. The carrying amount of these assets is adjusted by any ECL recognized and measured. Interest income from these financial assets is included in the statement of profit or loss using the effective interest rate method. When estimates of future cash flows are revised, the carrying amount of the respective financial assets or financial liabilities is adjusted to reflect the new estimate discounted using the original effective interest rate. Any changes are recognized in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: left"><b>FVTOCI: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that are both held for collection of contractual cash flows, where those cash flows represent SPPI, and for sale, depending on the Company's best interests, which are not designated at FVTPL, are measured at fair value through other comprehensive income ("FVTOCI"). The carrying amount of these assets is adjusted by any ECL recognized and measured. Interest income from these financial assets is included in the statement of comprehensive income or loss using the effective interest rate method.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>FVTPL: </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify">Financial assets that do not meet the criteria for amortized cost or FVTOCI are measured at FVTPL. A gain or loss on a debt instrument that is subsequently measured at FVTPL, including any debt instruments designated at fair value, is recognized in profit or loss, and presented in the statement of profit or loss in the period in which it arises.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group reclassifies financial assets when and only when its business model for managing those assets changes. The reclassification takes place from the start of the first period following the change.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification of financial assets for presentation purposes</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial assets are classified by nature into the following items in the consolidated statements of financial position:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Cash and cash equivalents;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Securities;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Collateral for credit card operations;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Derivative financial instruments;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Compulsory deposits at central banks;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Credit card receivables and loans to customers;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Other financial assets;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Other receivables;</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Financial liabilities</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as liabilities associated with non-current assets held for sale or they relate to hedging derivatives or changes in the fair value of hedged items in portfolio hedges of interest rate risk, which are reported separately.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are included for measurement purposes in one of the following categories:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities held for trading (at FVTPL): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices and financial derivatives not designated as hedging instruments.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities designated at FVTPL: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognizing the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group’s key management personnel. Liabilities may only be included in this category on the date when they are incurred or originated. This classification is applied to derivatives, financial liabilities held for trading, and other financial liabilities designated as such at initial recognition. The Group has designated the instruments eligible as capital as fair value through profit or loss at its initial recognition. Gains or losses on financial liabilities designated at fair value through profit or loss are presented partially in other comprehensive income (the amount of change in the fair value of the financial liability that is attributable to changes in the credit risk of that liability) and partially in profit or loss (the remaining amount of change in the fair value of the liability).</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Financial liabilities at amortized cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Convertible instruments </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Convertible instruments, which corresponded to the Company’s senior preferred shares, are separated into the financial liability and equity components based on the terms of the contract. On issuance of the convertible instrument, the fair values of the financial liability components are determined based on their characteristics, using a market rate for an equivalent non-convertible instrument for the contractual obligation to deliver cash and valuation models to the convertible embedded derivative into a variable number of shares. The financial liability due to the obligation to deliver cash is classified as a financial liability measured at amortized cost (net of transaction costs) until it is extinguished on conversion or redemption; and the convertible embedded derivative is measured at fair value and presented as “Derivative financial instruments” in the consolidated statements of financial position. No gain or loss arises from initially recognizing the components of the convertible instrument separately.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On conversion of convertible instruments, the Company derecognizes both the liability and derivative components and recognizes them as equity, without any effect in the statement of profit or loss. The expenses relating to the measurement of the financial liability components are presented as "Results with convertible instruments" in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Classification of financial liabilities for presentation purposes </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial liabilities are classified by nature into the following items in the consolidated statements of financial position:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Derivative financial instruments;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Instruments eligible as capital;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Repurchase agreements;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Deposits;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Payables to network;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Borrowings and financing, and securitized borrowings;</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Credit loss allowance of financial assets </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The Group calculates an expected credit loss ("ECL") for its financial assets. This way, ECLs should account for forecast elements such as undrawn limits and macroeconomic conditions that might affect the Group’s receivables.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group calculates different provisions for the financial instruments classified into:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 1 - no significant increase in credit risk (“SICR”);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 2 - significant increase in credit risk subsequent to recognition; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 21.35pt"/><td style="width: 18pt"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Stage 3 - credit impaired.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based on these concepts, Nu’s approach was to calculate ECL through the probability of default ("PD"), exposure at default ("EAD") and loss given default ("LGD") methodology.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Definitions of stages </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Stage 1 definition – no significant increase in credit risk</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">All receivables not classified in stages 2 and 3.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Stage 2 definition – significant increase in credit risk subsequent to recognition</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group utilizes two guidelines for determining stage 2:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">absolute criteria: the financial asset is more than 30 (thirty) days in arrears; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">relative criteria: in addition to the absolute criteria, the Group analyzes monthly the evolution of the risk of each financial instrument, comparing the current behavior score attributed to a given client with the one given in the moment of recognition of the financial asset. The behavior score considers credit behavior variables, such as delinquency in other products and market data about the client.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">A cure criteria is adopted for stage 2, considering if the financial asset is no longer meeting the significant increase in credit risk criteria as stated above.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Stage 3 definition – credit impaired</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Stage 3 definition follows the definition of default:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">The financial asset is more than 90 (ninety) days in arrears; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">There are indicatives that the financial asset will not be fully paid without a collateral or financial guarantee being triggered.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">Indication that an obligation will not be fully paid includes forbearance of financial instruments that implies advantages being granted to the counterparty following deterioration in the credit quality of the counterparty. </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify">The group also assumes a cure criteria for stage 3, taking into account triggers that access the payment capacity of the counterparty such as the percentage of the total debt paid or time threshold meeting the debt current obligations</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Lifetime definition</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The maximum period over which expected credit losses shall be measured is the maximum contractual period over which the entity is exposed to credit risk. For loan commitments, this is the maximum contractual period over which an entity has a present contractual obligation to extend credit. Thus, for the lending product, the lifetime is straightforward, being equal to the number of months for the remaining loan installments to be defaulted on.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">However, the credit card includes both a loan and an undrawn commitment component and does not have a fixed term or repayment structure. Thus, the period over which to measure expected credit losses are based on historical information and experience about the length of time for related default to occur on similar financial instruments following a significant increase in credit risk.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Therefore, a study was conducted for the stage 2 credit cards portfolio tracking over a time period to measure how long it takes for the cumulative default rate to stabilize, understanding this as the moment the entity is not expected to be exposed to credit risk.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Forward-looking – macroeconomic scenarios</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The Group calculates the ECL considering the current and future macroeconomic environment. The macroeconomic forecasts are based on market expectations for the main countries the group operates in and include the variables GDP (Growth Domestic Product), inflation, unemployment and basic interest rate. These forecasts are constantly monitored by the Group.</p> <p style="font: 10.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify"><span style="font-size: 10.5pt; line-height: 115%; background-color: white">The Group builds models upside and downside scenarios, which are based on the relationships observed historically with changes in credit risk</span>. The scenarios weighting depends on the Group’s expectations regarding the likelihood of each scenario to happen. The weighting is reviewed whenever there is a substantial change in the economic environment that causes different macroeconomics outlooks’ expectation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The probability of occurrence and their severity are factored into the estimation of the ECL final number. This methodology allows a timelier response to changes in local or global macroeconomic trends.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Measuring ECL</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The final ECL was calculated using the following parameters: </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">PD: it is the likelihood that a receivable will reach default in a time window. For stage 1 customers, PDs are calculated for the next 12-month period, while for stage 2, its calculation is done through the lifetime of the instrument. For stage 3, PD is considered to be 100% since the credit has already defaulted. </td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">EAD: the discounted balance that, in the event of a default, a customer is expected to have. For revolving facilities, it is a function of the customer’s current limit (total credit exposure) and the expected limit utilization percentage at the moment of default. The expected limit utilization is driven by different customer behavior. In contrast the EAD of a personal loan product is the expected balance value at default after considering the installments payments behavior.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">LGD: the percentage expected not to be recovered from a defaulted balance. This ratio represents the present value of the expected losses, after all recoveries are accounted for, divided by the defaulted balances.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 3pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Discount rate: it is the average effective interest rate calculated using historical data.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.5in; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The parameters mentioned above are segmented in homogeneous risk groups, determined by internal scoring models, relying on, among others, customer behavioral information, internal and external, including delinquency and credit utilization.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Governance around ECL </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s Credit Risk Team has developed the current ECL method. Monthly results are monitored and discussed in appropriate forums involving credit businesses and finance teams.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group assesses the performance of ECL estimations through the following methods:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Back testing: running the model at prior reference dates allows the Group to evaluate how the model’s predictions have paired with actual data.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Coverage duration: while back testing, the Group analyzes how many months it is covered for losses while provisioning the ECL.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Post-Model Adjustments</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Limitations in the Group's provisions model may be identified, and in these circumstances, Management might suggest appropriate adjustments to the Group's provisions by applying post-model adjustments.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Presentation of allowance for ECL in the consolidated statement of financial position</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Loss allowances for ECL are presented in the consolidated statement of financial position as a deduction from the gross carrying amount of the assets. Any excess of the loss allowance over the gross amount is presented as a provision in “Other liabilities”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Write-off </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The Group directly reduces the gross carrying amount of a financial asset when it has no reasonable expectation of recovering it in its entirety or a portion thereof. For unsecured loans, a write-off is made when all internal avenues of collecting the debt have been exhausted, and the debt is handed over to external collection agencies or the Group has no reasonable expectation of recovering further amounts . All balances are written-off, and are subject to enforcement activity. Contact is made with customers with the aim of achieving a realistic and sustainable repayment arrangement.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Recoveries </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Recoveries of credit losses are registered as an income, offset against credit losses, and classified in the consolidated statements of profit or loss as “Credit loss allowance expenses”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Modifications of financial assets </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">The factors used by the Group to determine whether there is a substantial modification of a contract are: evaluation if there is a renegotiation that is not part of the original contractual terms, change to contractual cash flows and significant extensions of the term of the transaction due to the debtor's financial constraint and significant changes to the interest rate, among others.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">The major modifications in the Company’s financial assets correspond to changes in contractual cash flows when credit card receivables, current or revolving, are modified to receivables in installments or changes in the installments profile in loans to customers. These modifications occur as a result of commercial restructuring activity or due to the credit risk of the borrower, an assessment must be performed to determine whether the terms of the new agreement are substantially different from the terms of the existing agreement. This assessment considers both the change in cash flows arising from the modified terms as well as the change in overall instrument risk profile.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Where terms are substantially different, the existing receivable will be derecognized and a new one will be recognized at fair value, with any difference in valuation recognized immediately within the statement of profit or loss, subject to observability criteria. Where terms are not substantially different, the receivables carrying value will be adjusted to reflect the present value of modified cash flows discounted at the original effective interest rate, with any resulting gain or loss recognized immediately within the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For ECL purposes, any modification that implies a forbearance will be recognized as stage 3. A forbearance implies advantages being granted to the counterparty as a result of deterioration in the credit quality of the counterparty. For this definition, the following are considered advantages (i) any material discounts applied to the current obligation and (ii) changes in prices that do not represent the customer credit risk profile.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Derivative financial instruments </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Derivatives are contracts or agreements whose value is derived from one or more underlying indexes or asset values inherent in the contract or agreement, which require little or no initial net investment and are settled at a future date. Transactions are undertaken in interest rate, cross-currency, and other index related swaps and forwards.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Derivatives are held for risk management purposes and are classified as held for trading unless they are designated as being in a hedge accounting relationship. Derivatives are recognized initially at cost (on the date on which a derivative contract is entered into) and are subsequently re-measured at their fair value. Fair values of exchange-traded derivatives are obtained from quoted market prices. Fair values of over-the-counter derivatives are estimated using valuation techniques, including discounted cash flow and option pricing models.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">A derivative contract is presented as an asset or as a liability according to its fair value at the reporting date, except where netting is permitted. The method of recognizing fair value gains and losses depends on whether derivatives are held for trading or are designated as hedging instruments and, if the latter, the nature of the risks being hedged. Gains and losses from changes in the fair value of derivatives held for trading are recognized in the consolidated statements of profit or loss and included within “Interest income and gains (losses) on financial instruments”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Hedge accounting</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group applies hedge accounting to represent the economic effects of its risk management strategies. At the time a financial instrument is designated as a hedge (i.e., at the inception of the hedge), the Group formally documents the relationship between the hedging instrument(s) and hedged item(s), its risk management objective and strategy for undertaking the hedge. The documentation includes the identification of each hedging instrument and the respective hedged item, the nature of the risk being hedged and how the hedging instrument’s effectiveness in offsetting the exposure to changes in the hedged item’s fair value attributable to the hedged risk is to be assessed. Accordingly, the Group formally assesses, both at the inception of the hedge and on an ongoing basis, whether the hedging derivatives have been and will be highly effective in offsetting changes in the fair value attributable to the hedged risk during the period that the hedge is designated.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">A hedge is usually regarded as highly effective if, at inception and throughout its life, the Group can expect, and actual results indicate, that changes in the fair value or cash flow of the hedged items are effectively offset by changes in the fair value or cash flow of the hedging instrument. If, at any point, it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Where derivatives are held for risk management purposes, and when transactions meet the required criteria for documentation and hedge effectiveness, the derivatives may be designated as either: (i) hedges of the change in fair value of recognized assets or liabilities or firm commitments (fair value hedges); (ii) hedges of the variability in highly probable future cash flows attributable to a recognized asset or liability, or a forecast transaction (cash flow hedges); or (iii) a hedge of a net investment in a foreign operation (net investment hedges). The Group applies cash flow hedge accounting in the subsidiary Nu Pagamentos that is exposed to foreign currency risk (dollar and euro) on forecast transactions, as described below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(i) Cash flow hedge accounting</b> - The effective portion of changes in the fair value of qualifying cash flow hedges are recognized in other comprehensive income or loss in the cash flow hedge reserve. The gain or loss relating to the ineffective portion is recognized immediately in the statement of profit or loss. Amounts accumulated in equity are reclassified to the statement of profit or loss in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognized in the statement of profit or loss when the forecast transaction is ultimately recognized in the statement of profit or loss. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the statement of profit or loss. The Group is exposed to foreign currency risk on forecast transactions, mainly expenses related to the cost of services and administrative expenses.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(ii) Portfolio Hedge</b> - The Group holds portfolios of customers’ lending and refinancing of credit cards receivables at fixed interest rates, which creates market risk due to changes of the Brazilian interbank deposits’ (CDI) benchmark rate. Thus, to protect the fixed rate risk from CDI variation, the Group entered into future DI contracts to offset the market risk, and applied hedge accounting aiming to eliminate differences between the accounting measurement of its derivatives and hedged items which are adjusted to reflect changes in CDI.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s overall hedging strategy is to reduce fair value changes of a portion of the fixed rate portfolio. As such, in order to reflect the dynamic nature of the hedged portfolio, the strategy is to rebalance the future DI contracts and evaluate the allocated amount by the credit portfolio. Additionally, ineffectiveness could arise from the disparity between expected and actual prepayments (prepayment risk).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In accordance with its hedging strategy, the Group calculates the DV01 (delta value of a basis point) of the exposure and futures to identify the optimal hedging ratio, and monitors in a timely manner the hedge relationship, providing any rebalancing if needed. The need for the purchase or sale of new future DI contracts will be assessed, to counterbalance the hedged item’s market value adjustment, aiming to assure hedge effectiveness between 80% and 125%, as determined in the hedge documentation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The effectiveness test for the hedge is done in a prospective and retrospective way. In the prospective test, the Group compares the impact of a 1 basis point parallel shift on the interest rate curve (DV01) on the hedged object and on the hedge instrument market value. For the retrospective test, the market-to-market value change since the inception of the hedged object is compared to the hedge instrument. In both cases, the hedge is considered effective if the correlation is between 80% and 125%.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For designated and qualifying fair value hedges, the cumulative change in the fair value of the hedging derivative and of the hedged item attributable to the hedged risk is recognized in the consolidated statement of profit or loss in "Interest income and gains (losses) on financial instruments - financial assets at fair value". In addition, the cumulative change in the fair value of the hedged item attributable to the hedged risk is recorded as part of the carrying value of the hedged item in the consolidated statement of financial position.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(iii) Hedge of corporate and social security taxes over share-based compensation -</b>The Group's hedge strategy is to cover the future cash disbursement related to highly probable future transactions and accrued liabilities for corporate and social security taxes at Restricted stock units (RSU) vesting or Stock Options (SOP) exercise from the variation of the Company's share price volatility. The derivative financial instruments used to cover the exposure are total return swaps ("TRS") in which one leg is indexed to the Company's stock price and the other leg is indexed to Secured Overnight Financing Rate ("SOFR") plus spread. The stock fixed at the TRS is a weighted average price. The hedge was entered by Nu Holdings and therefore there is no income tax effect.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group applies the cash flow hedge for the hedge structure hence the market risk is replaced by an interest rate risk. The effectiveness assessment is performed monthly by (i) assessing the economic relationship between the hedged item and the hedging instrument; (ii) monitoring the credit risk impact in the hedge effectiveness; and (iii) maintaining or updating the hedging ratio. Given the possibility of forfeiture impacting the future cash forecast of the employee benefit plan, the Group under hedges the exposure to reduce the risk of ineffectiveness. The derivative fair value is measured substantially based on the stock price which is also used in the measurement of the provision or payable for corporate and social security taxes, therefore there is no expectation for a mismatch to exist between the hedged item and hedging instrument at maturity other than the SOFR.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left"><b>Offsetting financial assets and liabilities</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Financial asset and liability balances, including derivatives, are offset (i.e., reported in the statements of financial position at their net amount) only if the Group entities have a legally enforceable right to set off the recognized amounts and intend either to settle on a net basis, or to realize the asset and settle the liability simultaneously. The Group has not offset financial assets or liabilities.</p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Fair Value Measurement Explanatory
DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory
|
<p id="xdx_844_eifrs-full--DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_zA6YmQnXR9Ba" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">b)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_865_zWV2xWOeJSL9">Fair value</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Fair value is defined as the price that would be received for an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date. The fair value accounting guidance provides a three-level fair value hierarchy for classifying financial instruments. This hierarchy is based on the markets in which the assets or liabilities trade and whether the inputs to the valuation techniques used to measure fair value are observable or unobservable. The fair value measurement of a financial asset or liability is assigned a level based on the lowest level of any input that is significant to the fair value measurement in its entirety. The three levels of the fair value hierarchy are described below:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Level 1: </b>Valuation is based on quoted prices (unadjusted) in active markets for identical assets or liabilities.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Level 2:</b> Valuation is based on observable market-based inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Level 3:</b> Valuation is generated from techniques that use significant assumptions, not observable in the market. Valuation techniques include pricing models, discounted cash flow methodologies, or similar techniques.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted prices in active markets or observable market parameters. When quoted prices and observable data in active markets are not fully available, management judgment is necessary to estimate fair value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Valuation techniques include net present value and discounted cash flow models, comparison with similar instruments for which observable market prices exist, Black-Scholes pricing model and other valuation models. Assumptions and inputs used in valuation techniques include risk-free and benchmark interest rates, credit spreads and other inputs used in estimating discount rates. The availability of observable market prices and model inputs reduces the need for management judgment and estimation and also reduces the uncertainty associated with determining fair values.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Changes in market conditions, such as reduced liquidity in the capital markets or changes in secondary market activities, may reduce the availability and reliability of quoted prices or observable data used to determine fair value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Significant judgment may be required to determine whether certain financial instruments measured at fair value are classified as Level 2 or Level 3. In making this determination, the Group considers all available information that market participants use to measure the fair value of the financial instrument, including observable market data, indications of market liquidity and orderliness, and Group’s understanding of the valuation techniques and significant inputs used. Based upon the specific facts and circumstances of each instrument or instrument category, judgments are made regarding the significance of the Level 3 inputs to the instruments’ fair value measurement in its entirety. If Level 3 inputs are considered significant, the instrument is classified as Level 3. The process for determining fair value using unobservable inputs is generally more subjective and involves a high degree of management judgment and assumptions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has in place controls to ensure that the fair value measurements are appropriate and reliable, including review and approval of new transaction types, price verification, and review of valuation judgments, methods, models, process controls, and results.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The financial instruments measured at fair value at the reporting date by the level in the fair value hierarchy are disclosed in note 26.</p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Customer Acquisition Costs Explanatory
DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory
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<p id="xdx_847_eifrs-full--DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory_zV8CKAXDWDPj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">c)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86C_zMaF1hjcAXy">Accounting for acquisitions</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Business combinations are accounted for using the acquisition method. The cost of an acquisition is measured as the aggregate of the consideration transferred, which is measured at acquisition date at fair value, and the amount of any non-controlling interests in the acquiree. For each business combination, the Company elects whether to measure the non-controlling interests in the acquiree at fair value, if any, or at the proportionate share of the acquiree’s identifiable net assets. Acquisition-related costs are expensed as incurred and included in administrative expenses.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company determines that it has acquired a business when the acquired set of activities and assets include an input and a substantive process that together significantly contribute to the ability to create outputs. The acquired process is considered substantive if it is critical to the ability to continue producing outputs, and the inputs acquired include an organized workforce with the necessary skills, knowledge, or experience to perform that process or it significantly contributes to the ability to continue producing outputs and is considered unique or scarce or cannot be replaced without significant cost, effort, or delay in the ability to continue producing outputs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When the Company acquires a business, it assesses the financial assets and liabilities assumed for appropriate classification and designation in accordance with the contractual terms, economic circumstances, and pertinent conditions as at the acquisition date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Any contingent consideration to be transferred by the acquirer will be recognized at fair value at the acquisition date. Contingent consideration classified as equity is not re-measured and its subsequent settlement is accounted for within equity<span style="font-size: 12pt; line-height: 115%">.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> | |
| CY2022 | nu |
Description Of Revenue Recognition Costs Explanatory
DescriptionOfRevenueRecognitionCostsExplanatory
|
<p id="xdx_84C_ecustom--DescriptionOfRevenueRecognitionCostsExplanatory_zjC6KEKirwG1" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">d)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86F_zkaicerCsqMi">Revenue recognition</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Interest income and gains (losses) on financial instruments</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Interest income on loans, credit card operations (revolving and interest-bearing installment transactions) and short-term investments are calculated using the effective interest method, which allocates interest, and direct and incremental fees and costs over the expected lives of the assets. For the revolving balances, the interest is calculated from the due date of the credit card bill that was not fully paid. Gains (losses) on financial instruments comprises the changes in fair value recognized in the statement of profit or loss.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b><i>Fee and commission income</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">Fee and commission income are shown net of federal revenue taxes. The underlying principle applied in revenue recognition is to recognize revenue as the Group transfers goods or services to customers at an amount that the Group expects to be entitled to in exchange for those goods or services.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>i)</i></b></td><td style="text-align: justify"><b><i>Interchange fees</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Interchange fees represent revenues to authorize and provide settlement on credit and debit card transactions processed through the Mastercard networks and are determined as a percentage of the total payment processed. Interchange fees, net of Rewards revenues, are recognized and measured upon recognition of the transaction with the interchange networks, when performance obligation is considered satisfied. The interchange rates agreed with Mastercard are fixed and are dependent on the segment of each merchant. Amount due from Mastercard related to the interchange income is withheld from the amount to be paid to Mastercard.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>ii)</i></b></td><td style="text-align: justify"><b><i>Rewards revenues</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Reward revenue comprises revenues related to the Nu’s Rewards subscription fee and the related interchange fee, initially apportioned in accordance with the relative stand-alone selling prices of the performance obligation assumed, as described below in item “Deferred income”. It is recorded in the income statement when the performance obligation is satisfied, which is when the reward points are redeemed by the customers.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"/><td style="width: 0.25in"><b><i>iii)</i></b></td><td style="text-align: justify"><b><i>Recharge fees</i></b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Recharge fees are recognized at the date the customers acquire the right to the telecom services and comprises the selling price of telecom prepaid cards to customers, net of its acquisition costs.</p> | |
| CY2022 | nu |
Description Of Expenses Explanatory
DescriptionOfExpensesExplanatory
|
<p id="xdx_848_ecustom--DescriptionOfExpensesExplanatory_zru4jbGCL3D7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">e)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zYJP3ng4s30k">Expense recognition</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Expenses are recorded in the statement of profit or loss under the accrual method, regardless of receipt or payment.</p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy To Determine Components Of Cash And Cash Equivalents
DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents
|
<p id="xdx_84C_eifrs-full--DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents_z9bEBoerGOr8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">f)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_868_zMItyuAcxXL9">Cash and cash equivalents</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Cash and cash equivalents include (i) bank deposits in local institutions and abroad and highly liquid short-term investments with original maturities up to 90 days, convertible into a known amount of cash, subject to insignificant risk of change in value and used for cash management of short-term commitments and not for investment and financing purposes; and (ii) balances with central banks which are part of the Group’s liquidity management activities<span style="font-size: 12pt; line-height: 115%">.</span></p> | |
| CY2022 | ifrs-full |
Disclosure Of Deposits From Banks Explanatory
DisclosureOfDepositsFromBanksExplanatory
|
<p id="xdx_840_eifrs-full--DisclosureOfDepositsFromBanksExplanatory_znHN2tLxvCP7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">n)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_864_zm167AHCH4Ee">Deposits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Corresponds to</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">amounts deposited by customers mainly in:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(i)</td><td style="text-align: justify">“NuConta”;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(ii)</td><td style="text-align: justify">Bank Receipt of Deposits ("RDB") and Linked Bank Receipt of Deposits (“RDB-V”);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(iii)</td><td style="text-align: justify">Time deposits; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">(iv)</td><td style="text-align: justify">Other deposits.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For those deposits, the interest expense is recognized using the effective interest rate method.</p> | |
| CY2022 | nu |
Disclosure Of Credit Card Receivables Explanatory
DisclosureOfCreditCardReceivablesExplanatory
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<p id="xdx_845_ecustom--DisclosureOfCreditCardReceivablesExplanatory_zMOFzimgw2pb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">g)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_z3ZJyQ8lA12h">Credit card receivables</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Credit card receivables are reported at their amortized cost, net of the credit card ECL allowance.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Chargebacks refer to the amounts disputed by clients generally due to fraud transactions on the Mastercard network process. Losses are recorded based on the estimated amount expected to be reduced from the Group’s client’s receivables when the event impacting the client occurred on activities that the Company is responsible for on the referred network.</p> | |
| CY2022 | nu |
Disclosure Of Loans To Customers Explanatory
DisclosureOfLoansToCustomersExplanatory
|
<p id="xdx_845_ecustom--DisclosureOfLoansToCustomersExplanatory_zCK0fH29xPgc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">h)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zslAmAgZGHC4">Loans to customers</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Loans to customers are related to Nu’s lending products. The personal loans can be paid in 1 to 48 installments, depending on the conditions agreed on Nu’s app. Loans are reported at their amortized cost, which is the outstanding principal balance, adjusted for any unearned income, unamortized deferred fees and costs, unamortized premiums and discounts, and charge-offs. Loans are reported net of the estimated uncollectible amount (loan ECL allowance)<span style="font-size: 12pt; line-height: 115%">.</span></p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Leases Explanatory
DescriptionOfAccountingPolicyForLeasesExplanatory
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<p id="xdx_847_eifrs-full--DescriptionOfAccountingPolicyForLeasesExplanatory_zradp5FZsjac" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">i)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zNMVcZIhNsGj">Leasing</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>The Group as a lessee</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For any new contracts entered on or after January 1, 2019, the Group considers whether a contract is, or contains a lease. A lease is defined as “a contract, or part of a contract, which conveys the right to use an asset (the underlying asset) for a period of time in exchange for consideration”. To apply this definition, the Group assesses whether the contract meets three criteria, which are whether:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the contract contains an identified asset, which is either explicitly identified in the contract or implicitly specified by being identified at the time the asset is made available to the Group;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the Group has the right to obtain all of the economic benefits from use of the identified asset throughout the period of use substantially, considering its rights within the defined scope of the contract; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the Group has the right to direct the use of the identified asset throughout the period of use. The Group assesses whether it has the right to direct ‘how and for what purpose’ the asset is used throughout the period of use.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Measurement and recognition of leases as a lessee </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the lease commencement date, the Group recognizes a right-of-use asset and a lease liability on the balance sheet. The right-of-use asset is measured at cost, which is made up of the initial measurement of the lease liability, any initial direct costs incurred by the Group, an estimate of any costs to dismantle and remove the asset at the end of the lease, and any lease payments made in advance of the lease commencement date (net of any incentives received).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group depreciates the right-of-use assets on a straight-line basis from the lease commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of the lease term. The Group also assesses the right-of-use asset for impairment when such indicators exist.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the commencement date, the Group measures the lease liability at the present value of the lease payments unpaid at that date, discounted using the interest rate implicit in the lease if that rate is readily available or the Group’s incremental borrowing rate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Lease payments included in the measurement of the lease liability are made up of fixed payments (including in substance fixed), variable payments based on an index or rate, amounts expected to be payable under a residual value guarantee, and payments arising from options reasonably certain to be exercised.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Subsequent to initial measurement, the liability will be reduced for payments made and increased for interest. It is re-measured to reflect any reassessment or modification, or if there are changes on in-substance fixed payments.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When the lease liability is re-measured, the corresponding adjustment is reflected in the right-of-use asset, or profit and loss if the right-of-use asset is already reduced to zero.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has elected to account for short-term leases and leases of low-value assets using the practical expedients. Instead of recognizing a right-of-use asset and lease liability, the payments in relation to these are recognized as an expense in profit or loss on a straight-line basis over the lease term.</p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Property Plant And Equipment Explanatory
DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory
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<p id="xdx_84D_eifrs-full--DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_zJM733s3RW7d" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">j)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_zhBCKceebfba">Property, plant and equipment and intangible assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Property, plant, and equipment are measured at historical cost less accumulated depreciation. Cost includes expenditures that are directly attributable to the acquisition of the asset and are depreciated from the date they are available for use. Depreciation is calculated to amortize the cost of items of fixed assets less their estimated residual values using the linear method based on the useful economic life of the items and is reviewed annually and adjusted prospectively if appropriate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Intangible assets acquired separately are measured on initial recognition at cost. The cost of intangible assets acquired in a business combination is their fair value at the date of acquisition. Intangible assets, including software and other assets, are recognized if they arise from contractual or other legal rights or if they are capable of being separated or divided from the Group and sold, transferred, licensed, rented, or exchanged. Intangible assets with finite useful lives are amortized on a straight-line basis over their estimated useful lives and are evaluated for impairment whenever events or changes in circumstances indicate the carrying amount of the assets.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Directly attributable expenditures related to internally generated intangible assets, mainly software systems, are capitalized from the date on which the entity is able to demonstrate, among others, its technical feasibility, intention to complete, ability to use and can demonstrate probable future economic benefits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Expenditures for improvements in third-party real estate are amortized over the term of the property lease.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">The useful life of fixed and intangible assets items are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfEstimatedUsefulLives_zLkNkQ8LlR0e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zbitlbuhiRM2" style="display: none">The useful life of fixed and intangible assets </span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; width: 66%; text-align: left"><span style="font-size: 8pt">Furniture and other office equipment</span></td> <td style="padding: 2pt; width: 14%; text-align: left"> </td> <td style="padding: 2pt; width: 20%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--FixturesAndFittingsMember_zGJvmS6Nqocd" title="Useful life measured as period of time, property, plant and equipment">10</span> years</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Computer equipment</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--ItEquipmentMember_zJa8eJcaPFdd" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Software</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_902_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--SoftwareMember_zqjxnUHn3A3h" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> </table> <p id="xdx_8A3_znH5MGEPhP5g" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Intangible assets arising from business combinations have specific useful lives, determined during purchase price allocation procedures. </span></p> | |
| CY2022 | nu |
Schedule Of Estimated Useful Lives
ScheduleOfEstimatedUsefulLives
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<table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfEstimatedUsefulLives_zLkNkQ8LlR0e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zbitlbuhiRM2" style="display: none">The useful life of fixed and intangible assets </span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; width: 66%; text-align: left"><span style="font-size: 8pt">Furniture and other office equipment</span></td> <td style="padding: 2pt; width: 14%; text-align: left"> </td> <td style="padding: 2pt; width: 20%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--FixturesAndFittingsMember_zGJvmS6Nqocd" title="Useful life measured as period of time, property, plant and equipment">10</span> years</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Computer equipment</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--ItEquipmentMember_zJa8eJcaPFdd" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Software</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_902_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20220101__20221231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--SoftwareMember_zqjxnUHn3A3h" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> </table> | |
| CY2022 | ifrs-full |
Disclosure Of Goodwill Explanatory
DisclosureOfGoodwillExplanatory
|
<p id="xdx_84D_eifrs-full--DisclosureOfGoodwillExplanatory_zgyJoWsds5Wc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">k)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_865_zn0m8CgxZRs">Goodwill</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Goodwill is initially measured at cost, being the excess of the aggregate of the consideration transferred and the amount recognized for any non-controlling interests and any previous interest held over the net identifiable assets acquired and liabilities assumed. If the fair value of the net assets acquired is in excess of the aggregate consideration transferred, the Company re-assesses whether it has correctly identified all of the assets acquired and all of the liabilities assumed and reviews the procedures used to measure the amounts to be recognized at the acquisition date. If the reassessment still results in an excess of the fair value of net assets acquired over the aggregate consideration transferred, then the gain is recognized in profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Goodwill is not amortized but is tested for impairment annually or more frequently if adverse circumstances indicate that it is more likely than not that the carrying amount exceeds its fair value. These indicators could include a sustained, significant decline in the Company’s stock price, a decline in expected future cash flows, significant disposition activity, a significant adverse change in the economic or business environment, and the testing for recoverability of a significant asset group, among others.</p> | |
| CY2022 | nu |
Impairment Of Nonfinancial Assets Policy Explanatory
ImpairmentOfNonfinancialAssetsPolicyExplanatory
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<p id="xdx_849_ecustom--ImpairmentOfNonfinancialAssetsPolicyExplanatory_zcnoVtXPN7Bg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">l)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zavsgV5FbKbj">Impairment of non-financial assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At each reporting date, or more frequently when events or changes in circumstances dictate, property, plant and equipment and intangible assets with a defined useful life are assessed for indicators of impairment. If indications are present, these assets are subject to an impairment review.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The carrying values of property, plant and equipment, goodwill and other intangible assets are written down by the amount of any impairment and the loss is recognized in the statement of profit or loss in the period in which it occurs. A previously recognized impairment loss relating to property, plant and equipment may be reversed in part or in full when a change in circumstances leads to a change in the estimates used to determine the property, plant, and equipment recoverable amount. The carrying amount of the property, plant and equipment will only be increased up to the amount that would have been had the original impairment not been recognized.</p> | |
| CY2021 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
48378000 | usd |
| CY2020 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
15287000 | usd |
| CY2022 | nu |
Disclosure Of Payables To Network Explanatory
DisclosureOfPayablesToNetworkExplanatory
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<p id="xdx_842_ecustom--DisclosureOfPayablesToNetworkExplanatory_z6jkUB1xsJgg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">o)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_863_zSSiChVevM9h">Payables to network</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Payables to networks correspond to financial liabilities recognized at amortized cost to be paid through clearing houses to the credit card brand Mastercard and to other clearing houses that are also part of the credit card network.</p> | |
| CY2022 | nu |
Disclosure Of Deposits From Banks Policytext Block
DisclosureOfDepositsFromBanksPolicytextBlock
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<p id="xdx_845_ecustom--DisclosureOfDepositsFromBanksPolicytextBlock_zZCZAMfzkun" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">p)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86A_zLzkeqj6Wfyl">Borrowings and financing</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Correspond to borrowings obtained with third parties that are initially recognized at cost and subsequently at amortized cost using the effective interest rate.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Deferred Income Explanatory
DisclosureOfDeferredIncomeExplanatory
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<p id="xdx_843_eifrs-full--DisclosureOfDeferredIncomeExplanatory_zXNpDnPXv6d7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">q)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86B_zXprnlEBonbe">Deferred income</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Primarily comprises revenues related to the Rewards which is initially apportioned, from the interchange and reward fees charged to customers, in accordance with the relative stand-alone selling prices of the performance obligation assumed. The revenues apportioned are recorded as deferred income until it is recorded in the income statement when the performance obligation is satisfied. Deferred income also contains amounts related to the rewards fees which are paid annually by customers until they are earned by the Company and are included on the Rewards revenue apportion calculation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group evaluates the deferred income amount and the assumptions based on developments in redemption patterns, changes to the terms and conditions of the rewards program and other factors<span style="font-size: 12pt; line-height: 115%">.</span></p> | |
| CY2022 | nu |
Disclosure Of Other Provisions Contingent Liabilities And Contingent Assets Policytext Block
DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock
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<p id="xdx_841_ecustom--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock_zo55WD2H2T16" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">r)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_861_zrqEpmjrFmej">Provisions and contingent assets and liabilities</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Provisions are accounted to cover present obligations at the reporting date arising from past events which could give rise to a loss for the Group, which is considered probable to occur and certain as to its nature but uncertain as to its amount and/or timing.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Contingent liabilities are possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the Group. Contingent liabilities also include possible obligations of the Company and its subsidiaries for which it is not probable that an outflow of resources embodying economic benefits will be required to settle them and, therefore, the Group does not recognize a liability. Instead, the Group disclose in the financial statements the contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Contingent assets are possible assets that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the Group. Contingent assets are not recognized in the consolidated statement of financial position or in the consolidated statement of profit or loss, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">These consolidated financial statements include all the material provisions with respect to which it is considered that it is probable to occur and to be settled. Provisions are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at each reporting period and are fully or partially reversed when such obligations cease to exist or are reduced.</p> | |
| CY2022 | ifrs-full |
Disclosure Of General And Administrative Expense Explanatory
DisclosureOfGeneralAndAdministrativeExpenseExplanatory
|
<p id="xdx_843_eifrs-full--DisclosureOfGeneralAndAdministrativeExpenseExplanatory_zkGCQ8KYiXgb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">s)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_869_zRMtcLZDT8rg">Provision for lawsuits and administrative proceedings</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company and its subsidiaries are subject to certain court and administrative proceedings arising from the ordinary course of their operations. Those proceedings are classified according to their likelihood of loss as:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Probable</b>: liabilities are recognized on the consolidated statements of financial position as “provision for lawsuits and administrative proceedings”;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Possible</b>: disclosed in the financial statements, but for which no provision is recognized; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify"><b>Remote</b>: require neither provision nor disclosure on the financial statements.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The amount of court escrow deposits is adjusted in accordance with current legislation.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Other Liabilities Explanatory
DisclosureOfOtherLiabilitiesExplanatory
|
<p id="xdx_84A_eifrs-full--DisclosureOfOtherLiabilitiesExplanatory_zlb3aL79ug68" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">t)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86E_zn73ZvrH8rr5">Other liabilities</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other liabilities include the balances of any other liabilities not included in other categories.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Share Capital Reserves And Other Equity Interest Explanatory
DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory
|
<p id="xdx_844_eifrs-full--DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_zc5A8nnaRWQe" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">u)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zzYkUIbkWQr8">Share premium reserve</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Share premium is the difference between the fair value of the consideration receivable for the issue of shares and the nominal value of the shares. The share premium account can only be used for limited purposes.</p> | |
| CY2022 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
22438000 | usd |
| CY2021 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
26857000 | usd |
| CY2020 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
23524000 | usd |
| CY2022 | nu |
Sharebased Payments Policy Explanatory
SharebasedPaymentsPolicyExplanatory
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<p id="xdx_84B_ecustom--SharebasedPaymentsPolicyExplanatory_zB9mrdd31A44" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">v)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86D_zLbkJwpzKGY8">Share-based payments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group maintains a long-term incentive plan, structured through grants of stock options (“SOPs”), restricted stock units (“RSUs”) and awards linked to market conditions ("Awards"). The objective is to provide to the Group's employees the opportunity to become shareholders of the Company, creating greater alignment of the interests of key employees with those of shareholders and allowing the Group to attract and retain key employees. These share-based payments are classified as equity-settled share-based payment transactions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Share-based payments expenses are recorded based on the fair value at the grant date. Following the IPO, the fair value is determined based on the publicly traded share price, and before that date, it was estimated using different valuation models. Significant judgment is required when determining the inputs into the fair value model. The fair values of SOPs, RSUs and Awards granted are recognized as an expense over the period in which they vest for SOP and RSUs or expected to vest for Awards. The vesting requirements are basically related to the passage of time for SOPs and RSUs and market conditions and passage of time for Awards. The Group recognizes the expenses considering the individual vesting tranches of the SOPs and RSUs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group revises its estimate of the number of SOPs and RSUs that will vest based on the historical experience at each reporting period. The Group recognizes the impact of the revision to original estimates, if any, in the statement of profit or loss and the accumulated loss reserve in equity. The Awards' expected vesting period is not subsequently revised, and the expenses are recorded irrespective of whether that market condition is satisfied.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Employee Benefits Explanatory
DisclosureOfEmployeeBenefitsExplanatory
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<p id="xdx_84B_eifrs-full--DisclosureOfEmployeeBenefitsExplanatory_zMKl3xos6TTl" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">w)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <span id="xdx_861_zfWFL6r3Bm3e">Short-term employee benefits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Short-term employee benefit obligations are measured on an undiscounted basis and are incurred as an expense as the corresponding service is provided. The liability is recognized for the amount expected to be paid for the short-term if there is a present legal or constructive obligation to pay and if the amount can be estimated reliably.</p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Deferred Income Tax Explanatory
DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory
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<p id="xdx_840_eifrs-full--DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory_zW2dN0E9NGdd" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">x)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_z5loUA5dEKi1">Income taxes, including deferred taxes</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Income tax payable on profits, based on the applicable tax law in each jurisdiction, is recognized as an expense in the period in which profits arise. The tax expense represents the sum of the income tax currently payable and deferred income tax.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Holdings is incorporated in the Cayman Islands which does not impose corporate income taxes or tax capital gains. In Brazil, the country in which the Group’s most significant subsidiaries operate, income tax is comprised of IRPJ (income tax for companies) and CSLL (social contribution on profits), with rates as shown below<span style="font-size: 12pt; line-height: 115%">.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_zwjz7arw9Ys9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zzS4AraH2mP2" style="display: none">CSLL (social contribution on profits), with rates as shown below</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center"><span style="font-size: 9pt"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center"><span style="font-size: 9pt"><b>Rate (2022)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center"><span style="font-size: 9pt"><b>Rate (2021)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_907_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z4fi4UgEximd" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_905_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zKeCNHVB5Vv7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90F_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zgYOeFsaWRu7" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zpxag2V81mm1" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90D_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zhIjLm2jQZ14" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zOvp4cMBpvwc" title="Surcharge">16</span>% between August and December/2022</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--CSLLMember_zhtvskSruat8" title="Applicable tax rate">15</span>%</span></td></tr> </table> <p id="xdx_8A9_zfSLilNbdZx6" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Taxable profit differs from net profit as reported in the statement of profit or loss because it excludes items of income or expense that are taxable or deductible in other years and it further excludes items that are never taxable or deductible. The liability for current tax is calculated using tax rates that have been enacted or substantively enacted by the balance sheet date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Current tax liability for the current or prior period is measured at the amount expected to be paid to the tax authorities. The Group considers whether it is probable that a taxation authority will accept an uncertain tax treatment. If the Group considers probable that the taxation authority will accept an uncertain tax treatment, the Group determines the taxable profit (tax loss), tax bases, unused tax losses, unused tax credits or tax rates consistently with the tax treatment used or planned to be used in its income tax filings. When the Group concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the effect of uncertainty is reflected in determining the related taxable profit (tax loss), tax bases, unused tax losses, unused tax credits or tax rates using either of the following methods:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the most likely amount - the single most likely amount in a range of possible outcomes or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">the expected value - the sum of the probability-weighted amounts in a range of possible outcomes.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred income tax is the tax expected to be payable or recoverable on income tax losses available to carry forward and on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the consolidated financial statements. It is accounted for using the balance sheet liability method. Deferred tax liabilities are generally recognized for all temporary taxable differences, and deferred tax assets are recognized to the extent that it is probable that taxable profits will be available against which the assets may be utilized as they reverse.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred tax is calculated at the tax rates that are expected to apply in the period when the liability is settled, or the asset is realized based on rates enacted or substantively enacted at the balance sheet date. Deferred tax is charged or credited in the statement of profit or loss, except when it relates to items recognized in other comprehensive income or directly in equity, in which case the deferred tax is also recognized in other comprehensive income or directly in equity.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group reviews the carrying amount of deferred tax assets at each balance sheet date and reduces it to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred tax relating to fair value re-measurements of financial instruments accounted for at FVTOCI and cash flow hedging instruments is charged or credited directly to other comprehensive income and is subsequently recognized in the statement of profit or loss when the deferred fair value gain or loss is recognized in the statement of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deferred and current tax assets and liabilities are only offset when they arise in the same tax reporting group and where there is both the legal right and the intention to settle on a net basis or to realize the asset and settle the liability simultaneously.</p> | |
| CY2022 | nu |
Disclosure Of Significant Subsidiaries Operate Income Tax Explanatory
DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory
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<table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_zwjz7arw9Ys9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting policies (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zzS4AraH2mP2" style="display: none">CSLL (social contribution on profits), with rates as shown below</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center"><span style="font-size: 9pt"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center"><span style="font-size: 9pt"><b>Rate (2022)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center"><span style="font-size: 9pt"><b>Rate (2021)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_907_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z4fi4UgEximd" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_905_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zKeCNHVB5Vv7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90F_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zgYOeFsaWRu7" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--IPRJMember_zpxag2V81mm1" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90D_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zhIjLm2jQZ14" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_90F_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_zOvp4cMBpvwc" title="Surcharge">16</span>% between August and December/2022</span></td> <td style="padding: 2pt; text-align: left"><span style="font-size: 9pt"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20210101__20211231__custom--TaxAuthorityAxis__custom--CSLLMember_zhtvskSruat8" title="Applicable tax rate">15</span>%</span></td></tr> </table> | |
| CY2022 | ifrs-full |
Earnings Per Share Explanatory
EarningsPerShareExplanatory
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<p id="xdx_848_eifrs-full--EarningsPerShareExplanatory_zN4FVxfeSMxg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">y)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zXHPXBSbnaff">Earnings per share</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Basic earnings per share is calculated by dividing the profit attributable to owners of the Company by the weighted average number of ordinary shares outstanding during the year, excluding treasury shares.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Diluted earnings per share adjusts the figures used in the determination of basic earnings per share to take into account the after income tax effect of interest and other financing costs associated with dilutive potential ordinary shares, and the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all dilutive potential ordinary shares.</p> | |
| CY2022 | nu |
Description Of Accounting Policy For Crypto Currency Explanatory
DescriptionOfAccountingPolicyForCryptoCurrencyExplanatory
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<p id="xdx_84F_ecustom--DescriptionOfAccountingPolicyForCryptoCurrencyExplanatory_zHWncmEIlkJa" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in">z)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_863_zyg5tYMGX6q9">Crypto currency</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Company accounts for investment in crypto currency as intangible assets based on the cost of acquisition, adjusted for impairment. The cost of the crypto assets includes the purchase price and related transaction costs.</p> | |
| CY2022 | nu |
Significant Accounting Estimates And Assumptions Explanatory
SignificantAccountingEstimatesAndAssumptionsExplanatory
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<p id="xdx_805_ecustom--SignificantAccountingEstimatesAndAssumptionsExplanatory_zmNtjprLRjqa" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">5. <span id="xdx_829_zlX6vHroUWP4">Significant accounting judgments, estimates and assumptions</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Use of estimates and judgments</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The preparation of financial statements requires judgments, estimates, and assumptions from management that affect the application of accounting policies, and reported amounts of assets, liabilities, revenues, and expenses. Actual results may differ from these estimates, and estimates and assumptions are reviewed on a periodic basis. Revisions to the estimates are recognized prospectively.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Credit losses on financial instruments</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group recognizes a loss allowance for expected credit losses on credit cards and loans receivables that represents management’s best estimate of allowance as of each reporting date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Management performs an analysis of the credit card and loan amounts to determine if credit losses have occurred and to assess the adequacy of the allowance based on historical and current trends as well as other factors affecting credit losses.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Key areas of judgment</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The critical judgments made by management in applying the expected credit losses (ECL) allowance methodology are:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">a)</td><td style="text-align: justify">Definition of default;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">b)</td><td style="text-align: justify">Forward-looking information used for the projection of macroeconomic scenarios;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">c)</td><td style="text-align: justify">Probability weights of future scenarios;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">d)</td><td style="text-align: justify">Definition of significant increase in credit risk and lifetime; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">e)</td><td style="text-align: justify">Look-back period, used for parameters estimation (probability of default - PD, exposure at default - EAD and loss given default - LGD).</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Sensitivity analysis</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On December 31, 2022, the probability weighted ECL allowance totaled US$<span id="xdx_90B_ecustom--Total1_c20221231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_pn3n3" title="ECL allowance total">1,350,891</span> of which US$<span id="xdx_903_ecustom--CreditCard_c20220101__20221231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_pn3n3" title="Credit card operations">1,050,668</span> related to credit card operations and US$<span id="xdx_909_ecustom--PersonalLoan_c20220101__20221231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_pn3n3" title="Loans">300,223</span> to loans. The ECL allowance is sensitive to the methodology, assumptions and estimations underlying its calculation. One key assumption is the probability weighting of the macroeconomic scenarios between upside, base and downside as the book value is the weighted average of these scenarios. The table below illustrates the ECL that would have arisen if management had applied a 100% weighting to each macroeconomic scenario.</p> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfForecastTableTextBlock_zdI0nZkP6sai" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting judgments, estimates and assumptions (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zXj68SVENDb9" style="display: none">Schedule of forecast</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Weighted</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Upside</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Base case</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center"><span style="font-size: 8pt"><b>Downside</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit card and lending ECL</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--CreditCardAndLendingECL_pn3n3_c20220101__20221231__ifrs-full--RiskExposuresAxis__custom--WeightedMember_z52iHs42og47" style="padding: 2pt; text-align: right" title="Credit card and lending ECL"><span style="font-size: 8pt">1,350,891</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--CreditCardAndLendingECL_c20220101__20221231__ifrs-full--RiskExposuresAxis__custom--UpsideMember_pn3n3" style="padding: 2pt; text-align: right" title="Credit card and lending ECL"><span style="font-size: 8pt">1,262,010</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--CreditCardAndLendingECL_c20220101__20221231__ifrs-full--RiskExposuresAxis__custom--BaseCaseMember_pn3n3" style="padding: 2pt; text-align: right" title="Credit card and lending ECL"><span style="font-size: 8pt">1,332,708</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--CreditCardAndLendingECL_c20220101__20221231__ifrs-full--RiskExposuresAxis__custom--DownsideMember_pn3n3" style="padding: 2pt; text-align: right" title="Credit card and lending ECL"><span style="font-size: 8pt">1,458,974</span></td></tr> </table> <p id="xdx_8AF_zGIN7yb0mo6d" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Recovery estimate - lending portfolio</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">On June 30, 2022, as a result of the growth in the lending portfolio and its historical data, the Company reviewed the reasonable expectation of recovery for those receivables and concluded that partial write-off of the lending portfolio in arrears for 120 days was more appropriate compared to the previous estimate of 360 days, which took into account our experience with credit card receivables. Therefore, to prevent the build-up of the gross loans, Nu applied an immediate partial write-off for loans for the amounts for which there is no reasonable expectation of recovery, as allowed under the International Financial Reporting Standards, with a portion of the loan being written off immediately. Following the partial write-off, the remaining balance is recognized in gross loans until the point at which there is no reasonable expectation of recovery. There is no effect in the statement of profit or loss due to the change in estimate, and the effect in the gross exposure and loss allowance balances for loans to customers are shown in item d) Credit loss allowance - changes of the note 14.</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Share-based payments</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group measures the costs of transactions with employees eligible to share-based remuneration based on the fair value of the ordinary share on the grant date. Following the IPO, the fair value is determined based on the publicly traded share price. Prior to the IPO, estimating the fair value of share-based payment transactions required determining the most appropriate valuation model to the ordinary share, options and other awards issued linked to the ordinary shares, which depended on the terms and conditions of each grant. The valuation of the ordinary shares considered one or a combination of a discounted cash flow model ("CFM") and a reverse option pricing model ("OPM") and was based substantially on the previous preferred share price transactions. The estimate of the share-based payment cost also requires determining other significant inputs to the models to value the SOPs, RSUs and Awards, including the expected term, volatility and dividend yield for the Black-Scholes model applied to the SOPs, achievement of the market conditions to the Awards, and discount rates.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Key areas of judgment</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Before the IPO date, the fair values of the SOPs, RSUs and Awards took into account, among other things, contract terms and observable market data, which included a number of factors and judgments from management, as disclosed in note 10. In exercising this judgment, a variety of tools were used including proxy observable data, historical data, and extrapolation techniques. Extrapolation techniques consider behavioral characteristics of equity markets that had been observed over time, and for which there was a strong case to support an expectation of a continuing trend in the future. Estimates were calibrated to observable market prices when they become available.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group believes its valuation methods are appropriate and consistent with other market participants. Nevertheless, the use of different valuation methods or assumptions, including imprecision in estimating unobservable market inputs, to determine the fair value of the SOPs, RSUs and Awards could result in different estimates of fair value<span style="font-size: 12pt; line-height: 115%">. </span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">d) Goodwill impairment analysis</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">For the purposes of impairment testing, the investment activities were the cash-generating unit ("CGU") in which Nu Invest’s, Olivia's and Spin Pay's goodwill was allocated. Impairment tests were performed on October 31, 2022; and no adjustment to the recoverable amount for the goodwill was recorded on the financial statements because the recoverable amounts of this CGU were determined to be higher than its carrying amount.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The recoverable amounts for the CGU have been calculated based on their value in use, determined by discounting the future cash flows expected to be generated from the continuing use of the CGUs’ assets and their ultimate disposal.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Key areas of judgment</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The values assigned to the key assumptions represent management’s assessment of future trends in the relevant sector and have been based on historical data from both external and internal sources.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The discount rate used was the cost of equity for business in Brazil where the activities from the acquired entities are concentrated. Cash flow projections for five years for Olivia and Spin and for ten years for the Investment CGU (includes Nu Invest, Nu Corretora de Seguros and Nu Asset) were included in the discounted cash flow model. A long-term growth rate was used to extrapolate the cash flows beyond these periods. The growth rate into perpetuity has been determined as the currently expected long term inflation rate for Brazil.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">Revenue growth was projected considering the average growth levels experienced over the past five years and the estimated growth for the next five years. Budgeted profit before taxes, depreciation and amortization was based on expectations of future outcomes considering past experience, adjusted for the anticipated revenue growth. These key assumptions may change as economic and market conditions change.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The estimated recoverable amount of all CGUs exceeded their carrying amount on October 31, 2022. The carrying amount and main assumptions used in determining the recoverable amounts are:</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory_z0RJHDoGjoXb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting judgments, estimates and assumptions (Details 1)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zeGexGoMY0Ed" style="display: none">Schedule of carrying amount and assumptions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 40%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>CGU</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Carrying amount</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b/></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Goodwill at December 31, 2022</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b/></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Discount rate (%)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Growth rate (%)</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--RecoverableAmountOfAssetsOrCashgeneratingUnit_iI_pn5n6_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zMIors5mHjqj" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">423,473</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GoodwillCGU_iI_pn5n6_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zfuVJO2dYnpa" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,125</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DescriptionOfDiscountRatesUsedInCurrentEstimateOfValueInUse_iI_pip0_dp_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zEXwgdPriirf" style="padding: 2pt; text-align: right; line-height: 115%" title="Discount rate"><span style="font-size: 8pt; line-height: 115%">14.5</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_iI_pip0_dp_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zfR48Rj8ng3h" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">3.4</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">(i) Includes Nu Invest, Nu Corretora de Seguros and Nu Asset.</p> <p id="xdx_8A3_zFpym00qSTWc" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">e) Provision for lawsuits and administrative proceedings</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group and its subsidiaries are parties to lawsuits and administrative proceedings. Provisions are recognized for all cases representing reasonably estimated probable losses. The assessment of the likelihood of loss considers available evidence, the hierarchy of laws, former court decisions, and their legal significance, as well as the legal counsel’s opinion.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The provision mainly represents management’s best estimate of the Group’s future liability in respect of civil and labor complaints. Significant judgment by management is required in determining appropriate assumptions, which include the level of complaints expected to be received, of those, the number that will be upheld, and redressed (reflecting legal and regulatory responsibilities, including the determination of liability and the effect of the time bar). The complexity of such matters often requires the input of specialist professional advice in making assessments to produce estimates.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The amount that is recognized as a provision can also be susceptible to the assumptions made in calculating it. This gives rise to a broad range of potential outcomes that require judgment in determining an appropriate provision level. The Group believes its valuation methods of contingent liabilities are appropriate and consistent through the periods. Management believes that, due to the current quantity of claims and the total amount involved, if different assumptions were used no material impact on the provision would occur.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">f) Fair value of financial instruments</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The fair value of financial instruments, that can include derivatives that are not traded in active markets and convertible embedded derivatives, is calculated by the Group by using valuation techniques based on assumptions that consider market information and conditions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted prices in active markets or observable market parameters. When quoted prices and observable data in active markets are not fully available, management judgment is necessary to estimate fair value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Changes in market conditions, such as reduced liquidity in the capital markets or changes in secondary market activities, may reduce the availability and reliability of quoted prices or observable data used to determine fair value. Management’s significant judgment may be required to determine whether certain financial instruments measured at fair value are classified as Level 2 or Level 3. For this determination, the Group considers all available information that market participants use to measure the fair value of the financial instrument, including observable market data, indications of market liquidity and orderliness, and the understanding of the valuation techniques and significant inputs used.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based upon the specific facts and circumstances of each instrument or instrument category, judgments are made regarding the significance of the Level 3 inputs to the instruments’ fair value measurement in its entirety. If Level 3 inputs are considered significant, the instrument is classified as Level 3. The process for determining fair value using unobservable inputs is generally more subjective and involves a high degree of management judgment and assumptions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">More information about the significant unobservable inputs and other information are disclosed in note 26.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
104499000 | usd |
| CY2021 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
49951000 | usd |
| CY2020 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
31237000 | usd |
| CY2022 | nu |
Disclosure Of Carrying Amount And Main Assumptions Used Explanatory
DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory_z0RJHDoGjoXb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Significant accounting judgments, estimates and assumptions (Details 1)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zeGexGoMY0Ed" style="display: none">Schedule of carrying amount and assumptions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 40%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>CGU</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Carrying amount</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b/></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Goodwill at December 31, 2022</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b/></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Discount rate (%)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Growth rate (%)</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--RecoverableAmountOfAssetsOrCashgeneratingUnit_iI_pn5n6_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zMIors5mHjqj" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">423,473</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GoodwillCGU_iI_pn5n6_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zfuVJO2dYnpa" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,125</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DescriptionOfDiscountRatesUsedInCurrentEstimateOfValueInUse_iI_pip0_dp_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zEXwgdPriirf" style="padding: 2pt; text-align: right; line-height: 115%" title="Discount rate"><span style="font-size: 8pt; line-height: 115%">14.5</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_iI_pip0_dp_c20221231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zfR48Rj8ng3h" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">3.4</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">(i) Includes Nu Invest, Nu Corretora de Seguros and Nu Asset.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Fee And Commission Income Expense Explanatory
DisclosureOfFeeAndCommissionIncomeExpenseExplanatory
|
<p id="xdx_802_eifrs-full--DisclosureOfFeeAndCommissionIncomeExpenseExplanatory_zH5UpOJibu18" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>6. <span id="xdx_821_zmT0jWWY2Ehb">Income and related expenses</span></b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Interest income and gains (losses) on financial instruments</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eifrs-full--DisclosureOfInterestIncomeExpenseExplanatory_z1kgIzKfCLy6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details)"> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_z4ihvhkrnq4e" style="display: none">Interest income and gains (losses) on financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20220101__20221231_z5U9spAwZsY6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zvMn8bDcUPil" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20200101__20201231_zd9yVmGaaS65" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CreditCard1Member_zhSa7MlwxaHf" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – credit card</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,014,875</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">357,831</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">217,356</span></td></tr> <tr id="xdx_404_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--ConsumerLoansMember_zxazdeLpxFs3" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income - lending</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">932,196</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">292,701</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">38,926</span></td></tr> <tr id="xdx_405_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zPGiUS1RCnig" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – other assets at amortized cost</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">388,736</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">66,202</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">37,833</span></td></tr> <tr id="xdx_40F_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--OtherReceivableMember_zV5ceH6JnuM4" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – other receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">161,004</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">149</span></td></tr> <tr id="xdx_40E_eifrs-full--GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid_pn3n3_zkBXL1Hr3gQl" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income and gains (losses) on financial instruments at fair value</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,058,402</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">312,776</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">88,658</span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Financial assets at fair value</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--FinancialAssetsAtFairValue_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>1,087,619</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zRDLsMg8qfjg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>309,196</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20201231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zwTfh8yXXzig" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>84,819</i></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Other</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>(29,217)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zp3B9nMxUbu2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>3,580</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20201231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zvglRiLPmcZ1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>3,839</i></span></td></tr> <tr id="xdx_40E_ecustom--InterestIncomeAndGainsLossesOnFinancialInstruments_pn3n3_zaJxmprlyl1f" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total interest income and gains (losses) on financial instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,555,213</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,046,746</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>382,922</b></span></td></tr> </table> <p id="xdx_8A0_zS2UyONGCZuh" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify">The interest income presented above from credit card, lending, other assets at amortized cost and other receivables represents interest revenue calculated using the effective interest method. Financial assets at fair value comprises interest and the fair value changes on financial assets at fair value.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Fee and commission income</p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory_z6Zx4unnovxk" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 1)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BE_zTqhs8MZwaJk" style="display: none">Fee and commission income</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231_z1sua3qJmqXg" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20210101__20211231_zqhi195x8f67" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20200101__20201231_zEutZNSifpta" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_402_ecustom--InterchangerFeeAndCommissionIncome_pn3n3_zcqLq7f7fpp" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interchange fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">917,373</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">471,505</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">254,327</span></td></tr> <tr id="xdx_402_ecustom--RechargeFeeAndCommissionIncome_pn3n3_zgT0KXVO4ema" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recharge fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">77,469</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">48,378</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">15,287</span></td></tr> <tr id="xdx_40E_ecustom--RewardsFeeAndCommissionIncome_pn3n3_zgkqrQqpC3ie" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Rewards revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,438</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">26,857</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">23,524</span></td></tr> <tr id="xdx_40D_ecustom--LateFeeAndCommissionIncome_pn3n3_zEY3GnNw9Iwj" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Late fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">104,499</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">49,951</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,237</span></td></tr> <tr id="xdx_40A_eifrs-full--OtherFeeAndCommissionIncome_pn3n3_zplf5VBH4yMh" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other fee and commission income</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">115,239</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">65,766</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,836</span></td></tr> <tr id="xdx_40D_ecustom--CustomerProgramrFeeAndCommissionIncome_pn3n3_zMFC59BhPNHf" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer Program ("NuSócios") (note 1b)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1681">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(11,180)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1683">-</span></span></td></tr> <tr id="xdx_40C_eifrs-full--FeeAndCommissionIncome_pn3n3_z8Jzuq9hrKUb" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total fee and commission income</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,237,018</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>651,277</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>354,211</b></span></td></tr> </table> <p id="xdx_8A2_zBJHXkVJ3YXg" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Fee and commission income are presented by fee types that reflect the nature of the services offered by the Group. Recharge fees comprise the selling price of telecom prepaid credits to customers, net of acquisition costs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On September 26, 2022, the Brazilian Central Bank (“BACEN”) issued Resolution No 246 ("Resolution 246"), which established that the maximum limit for the interchange fee levied on all prepaid card transactions in Brazil will be <span id="xdx_905_ecustom--InterchangeFeePercentage_pip0_dp_c20220901__20220926_zZOmjQ72UTEe" title="Interchange fee percentage">0.70</span>%. The new rules will become effective on April 1, 2023.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Interest and other financial expenses</p> <table cellpadding="0" cellspacing="0" id="xdx_897_eifrs-full--DisclosureOfInterestExpenseExplanatory_ztMsVjQ86KV9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 2)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zVIu3ll7tPI5" style="display: none">Interest and other financial expenses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20220101__20221231_zwXtfvScYa7h" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20210101__20211231_zMZHsnKtLb24" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20200101__20201231_zs4T4ApmOb56" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_408_eifrs-full--InterestExpenseOnDepositsFromCustomers_pn3n3_zL00YJUkuhq" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest expense on deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,407,898</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">317,420</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">87,325</span></td></tr> <tr id="xdx_407_eifrs-full--InterestExpenseOnOtherFinancialLiabilities_pn3n3_zZgmO1SKt4Te" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other interest and similar expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">140,005</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">49,924</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">26,599</span></td></tr> <tr id="xdx_40C_eifrs-full--InterestRevenueExpense_pn3n3_zfGvz9ivLDPb" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Interest and other financial expenses</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,547,903</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>367,344</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>113,924</b></span></td></tr> </table> <p id="xdx_8AC_zWZkMByvmeX5" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Transactional expenses</p> <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--ScheduleOfDisclosureOfTransactionalExpensesTableTextBlock_z1ijUImsIec9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 3)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zhre3XWIlm9h" style="display: none">Transactional expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20220101__20221231_zzvIETBoHrS4" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20210101__20211231_zrUJWE8muTcc" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20200101__20201231_zmUAGll4gzAf" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40C_ecustom--BankSlipExpensesn_pn3n3_zd5ZviSbVFed" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bank slip costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">33,963</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">36,149</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">46,480</span></td></tr> <tr id="xdx_408_ecustom--RewardsExpensesn_pn3n3_z77TVxHdOF88" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Rewards expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">42,422</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">36,885</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,624</span></td></tr> <tr id="xdx_40B_ecustom--CreditAndDebitCardNetworkCostsExpensesn_pn3n3_zdqXWP7B51Al" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit and debit card network costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">54,987</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,705</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24,986</span></td></tr> <tr id="xdx_40D_ecustom--OtherTransactionalExpensesn_pn3n3_zE3EVCuXhUw9" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other transactional expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">45,055</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">21,380</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">25,725</span></td></tr> <tr id="xdx_402_ecustom--TransactionalExpensesnNet_pn3n3_z7uH8zXuBAw" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total transactional expenses</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>176,427</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>117,119</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>126,815</b></span></td></tr> </table> <p id="xdx_8A2_zL1WTefy6j66" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Transactional expenses comprise all the costs that are directly attributable to the payment network cycle. Payment network cycle costs include amounts related to data processing, payment scheme license fees, losses from chargeback relating to the credit and debit card transactions, costs relating to rewards program to fulfill the use of the points by customers, and other costs related to the connection to the payment.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Credit and debit card network costs are related to the payment programs license, which is a variable fee paid to Mastercard and other card programs to enable communications between network participants, access to specific reports, expenses related to projects involving the development of new functions, operational fixed fees, fees related to chargeback restatements and royalties. </span></p> | |
| CY2022 | ifrs-full |
Disclosure Of Interest Income Expense Explanatory
DisclosureOfInterestIncomeExpenseExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89C_eifrs-full--DisclosureOfInterestIncomeExpenseExplanatory_z1kgIzKfCLy6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details)"> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_z4ihvhkrnq4e" style="display: none">Interest income and gains (losses) on financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20220101__20221231_z5U9spAwZsY6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zvMn8bDcUPil" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20200101__20201231_zd9yVmGaaS65" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CreditCard1Member_zhSa7MlwxaHf" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – credit card</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,014,875</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">357,831</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">217,356</span></td></tr> <tr id="xdx_404_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--ConsumerLoansMember_zxazdeLpxFs3" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income - lending</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">932,196</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">292,701</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">38,926</span></td></tr> <tr id="xdx_405_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zPGiUS1RCnig" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – other assets at amortized cost</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">388,736</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">66,202</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">37,833</span></td></tr> <tr id="xdx_40F_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--OtherReceivableMember_zV5ceH6JnuM4" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income – other receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">161,004</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">149</span></td></tr> <tr id="xdx_40E_eifrs-full--GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid_pn3n3_zkBXL1Hr3gQl" style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest income and gains (losses) on financial instruments at fair value</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,058,402</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">312,776</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">88,658</span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Financial assets at fair value</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--FinancialAssetsAtFairValue_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>1,087,619</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zRDLsMg8qfjg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>309,196</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20201231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zwTfh8yXXzig" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>84,819</i></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Other</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>(29,217)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zp3B9nMxUbu2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>3,580</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20201231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zvglRiLPmcZ1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><i>3,839</i></span></td></tr> <tr id="xdx_40E_ecustom--InterestIncomeAndGainsLossesOnFinancialInstruments_pn3n3_zaJxmprlyl1f" style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total interest income and gains (losses) on financial instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,555,213</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,046,746</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>382,922</b></span></td></tr> </table> | |
| CY2022 | ifrs-full |
Gain Loss Arising From Difference Between Carrying Amount Of Financial Liability Extinguished And Consideration Paid
GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid
|
1058402000 | usd |
| CY2021 | ifrs-full |
Gain Loss Arising From Difference Between Carrying Amount Of Financial Liability Extinguished And Consideration Paid
GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid
|
312776000 | usd |
| CY2020 | ifrs-full |
Gain Loss Arising From Difference Between Carrying Amount Of Financial Liability Extinguished And Consideration Paid
GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid
|
88658000 | usd |
| CY2022 | nu |
Interest Income And Gains Losses On Financial Instruments
InterestIncomeAndGainsLossesOnFinancialInstruments
|
3555213000 | usd |
| CY2021 | nu |
Interest Income And Gains Losses On Financial Instruments
InterestIncomeAndGainsLossesOnFinancialInstruments
|
1046746000 | usd |
| CY2020 | nu |
Interest Income And Gains Losses On Financial Instruments
InterestIncomeAndGainsLossesOnFinancialInstruments
|
382922000 | usd |
| CY2022 | nu |
Disclosure Of Fee And Commission Income Expense One Explanatory
DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory_z6Zx4unnovxk" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 1)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BE_zTqhs8MZwaJk" style="display: none">Fee and commission income</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231_z1sua3qJmqXg" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20210101__20211231_zqhi195x8f67" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20200101__20201231_zEutZNSifpta" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_402_ecustom--InterchangerFeeAndCommissionIncome_pn3n3_zcqLq7f7fpp" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interchange fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">917,373</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">471,505</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">254,327</span></td></tr> <tr id="xdx_402_ecustom--RechargeFeeAndCommissionIncome_pn3n3_zgT0KXVO4ema" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recharge fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">77,469</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">48,378</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">15,287</span></td></tr> <tr id="xdx_40E_ecustom--RewardsFeeAndCommissionIncome_pn3n3_zgkqrQqpC3ie" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Rewards revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,438</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">26,857</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">23,524</span></td></tr> <tr id="xdx_40D_ecustom--LateFeeAndCommissionIncome_pn3n3_zEY3GnNw9Iwj" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Late fees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">104,499</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">49,951</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,237</span></td></tr> <tr id="xdx_40A_eifrs-full--OtherFeeAndCommissionIncome_pn3n3_zplf5VBH4yMh" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other fee and commission income</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">115,239</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">65,766</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,836</span></td></tr> <tr id="xdx_40D_ecustom--CustomerProgramrFeeAndCommissionIncome_pn3n3_zMFC59BhPNHf" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer Program ("NuSócios") (note 1b)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1681">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(11,180)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1683">-</span></span></td></tr> <tr id="xdx_40C_eifrs-full--FeeAndCommissionIncome_pn3n3_z8Jzuq9hrKUb" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total fee and commission income</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,237,018</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>651,277</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>354,211</b></span></td></tr> </table> | |
| CY2022 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
917373000 | usd |
| CY2021 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
471505000 | usd |
| CY2020 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
254327000 | usd |
| CY2022 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
77469000 | usd |
| CY2021 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
65766000 | usd |
| CY2020 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
29836000 | usd |
| CY2021 | nu |
Customer Programr Fee And Commission Income
CustomerProgramrFeeAndCommissionIncome
|
-11180000 | usd |
| CY2022 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
1237018000 | usd |
| CY2021 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
651277000 | usd |
| CY2020 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
354211000 | usd |
| CY2022Q3 | nu |
Interchange Fee Percentage
InterchangeFeePercentage
|
0.0070 | pure |
| CY2022 | ifrs-full |
Disclosure Of Interest Expense Explanatory
DisclosureOfInterestExpenseExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_897_eifrs-full--DisclosureOfInterestExpenseExplanatory_ztMsVjQ86KV9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 2)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zVIu3ll7tPI5" style="display: none">Interest and other financial expenses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20220101__20221231_zwXtfvScYa7h" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20210101__20211231_zMZHsnKtLb24" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20200101__20201231_zs4T4ApmOb56" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_408_eifrs-full--InterestExpenseOnDepositsFromCustomers_pn3n3_zL00YJUkuhq" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest expense on deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,407,898</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">317,420</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">87,325</span></td></tr> <tr id="xdx_407_eifrs-full--InterestExpenseOnOtherFinancialLiabilities_pn3n3_zZgmO1SKt4Te" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other interest and similar expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">140,005</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">49,924</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">26,599</span></td></tr> <tr id="xdx_40C_eifrs-full--InterestRevenueExpense_pn3n3_zfGvz9ivLDPb" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Interest and other financial expenses</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,547,903</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>367,344</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>113,924</b></span></td></tr> </table> | |
| CY2022 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
1407898000 | usd |
| CY2021 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
317420000 | usd |
| CY2020 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
87325000 | usd |
| CY2022 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
140005000 | usd |
| CY2021 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
49924000 | usd |
| CY2020 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
26599000 | usd |
| CY2022 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
1547903000 | usd |
| CY2021 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
367344000 | usd |
| CY2020 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
113924000 | usd |
| CY2022 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
33963000 | usd |
| CY2021 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
36149000 | usd |
| CY2020 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
46480000 | usd |
| CY2022 | nu |
Rewards Expensesn
RewardsExpensesn
|
42422000 | usd |
| CY2021 | nu |
Rewards Expensesn
RewardsExpensesn
|
36885000 | usd |
| CY2020 | nu |
Rewards Expensesn
RewardsExpensesn
|
29624000 | usd |
| CY2022 | nu |
Credit And Debit Card Network Costs Expensesn
CreditAndDebitCardNetworkCostsExpensesn
|
54987000 | usd |
| CY2021 | nu |
Credit And Debit Card Network Costs Expensesn
CreditAndDebitCardNetworkCostsExpensesn
|
22705000 | usd |
| CY2020 | nu |
Credit And Debit Card Network Costs Expensesn
CreditAndDebitCardNetworkCostsExpensesn
|
24986000 | usd |
| CY2022 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
45055000 | usd |
| CY2021 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
21380000 | usd |
| CY2020 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
25725000 | usd |
| CY2022 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
176427000 | usd |
| CY2021 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
117119000 | usd |
| CY2020 | ifrs-full |
Other Expense By Nature
OtherExpenseByNature
|
31123000 | usd |
| CY2020 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
126815000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Allowance For Credit Losses Explanatory
DisclosureOfAllowanceForCreditLossesExplanatory
|
<p id="xdx_80E_eifrs-full--DisclosureOfAllowanceForCreditLossesExplanatory_zS6V28gTq8E5" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">7. <span id="xdx_82C_zBg7CcjrKJD5">Credit loss allowance expenses</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--DisclosureOfCreditLossAllowanceExpensesExplanaatory_zg5qiivChqkf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit loss allowance expenses (Details)"> <tr style="vertical-align: top; background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zDyhXCS7IbDb" style="display: none">Schedule of credit loss allowance expenses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net increase of loss allowance (note 13)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>939,079</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zpLvypN2moRk" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>311,601</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zsc4Fu8kjpo6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>160,770</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recovery</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(31,491)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_znZ82VZxzNck" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(22,494)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zyBocQLR0IYi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(18,202)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit card receivables</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zDG71nZ57iMj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>907,588</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zbJfym8SM4A7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>289,107</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zUgTGDSJ7OG" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>142,568</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net increase of loss allowance (note 14)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>501,843</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zppImTqy5PAj" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>192,078</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zmFnFShRFWEg" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>27,020</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recovery</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(4,520)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zhjhuJYamRok" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(542)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zCbb7hwVHMLf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(103)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loans to customers</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>497,323</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zSNJlTYVku6e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>191,536</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zve3LHiQW7T3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>26,917</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>1,404,911</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_zuLmbwRbEQOa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>480,643</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231_ztCXGLKRE206" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>169,485</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022 | nu |
Disclosure Of Credit Loss Allowance Expenses Explanaatory
DisclosureOfCreditLossAllowanceExpensesExplanaatory
|
<table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--DisclosureOfCreditLossAllowanceExpensesExplanaatory_zg5qiivChqkf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit loss allowance expenses (Details)"> <tr style="vertical-align: top; background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zDyhXCS7IbDb" style="display: none">Schedule of credit loss allowance expenses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net increase of loss allowance (note 13)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>939,079</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zpLvypN2moRk" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>311,601</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zsc4Fu8kjpo6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>160,770</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recovery</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(31,491)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_znZ82VZxzNck" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(22,494)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zyBocQLR0IYi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(18,202)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit card receivables</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zDG71nZ57iMj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>907,588</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zbJfym8SM4A7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>289,107</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zUgTGDSJ7OG" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>142,568</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Net increase of loss allowance (note 14)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>501,843</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zppImTqy5PAj" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>192,078</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zmFnFShRFWEg" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>27,020</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Recovery</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(4,520)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zhjhuJYamRok" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(542)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zCbb7hwVHMLf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Recovery"><span style="font-size: 8pt; line-height: 115%">(103)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loans to customers</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>497,323</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zSNJlTYVku6e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>191,536</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zve3LHiQW7T3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>26,917</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>1,404,911</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_zuLmbwRbEQOa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>480,643</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20200101__20201231_ztCXGLKRE206" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt; line-height: 115%"><b>169,485</b></span></td></tr> </table> | |
| CY2022 | ifrs-full |
Increase Decrease In Allowance Account For Credit Losses Of Financial Assets
IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets
|
1404911000 | usd |
| CY2021 | ifrs-full |
Increase Decrease In Allowance Account For Credit Losses Of Financial Assets
IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets
|
480643000 | usd |
| CY2020 | ifrs-full |
Increase Decrease In Allowance Account For Credit Losses Of Financial Assets
IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets
|
169485000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Accrued Expenses And Other Liabilities Explanatory
DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory
|
<p id="xdx_80F_eifrs-full--DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory_zhassAGWjO2h" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">8. <span id="xdx_82D_zlBOBOsO8FKg">Operating expenses</span></p> <table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--ScheduleOfOperatingExpensesTableTextBlock_zL35ilieYoNh" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operating expenses (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zkKOA16D4La7" style="display: none">Schedule of operating expenses</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td id="xdx_496_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_zEjMU4KyRE0k" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_495_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_zS2Dx6yMoIPd" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_495_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zCBVVYUjmgZ8" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49B_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zBNYouGU1dve" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49E_20220101__20221231_zeER6ufluRae" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 41%; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Customer support and operations</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>General and administrative expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Marketing expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Other income (expenses)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr id="xdx_40A_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_zZk6BSgxQk75" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">132,163</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">144,341</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1780">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1781">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">276,504</span></td></tr> <tr id="xdx_409_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zGD2lWijhtih" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">54,239</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">39,773</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1786">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1787">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">94,012</span></td></tr> <tr id="xdx_402_eifrs-full--ProfessionalFeesExpense_pn3n3_zjkfauZNTdVf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer services</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">74,438</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,559</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1792">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1793">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">83,997</span></td></tr> <tr id="xdx_407_eifrs-full--WagesAndSalaries_pn3n3_zAQbvZ9rzAJc" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">48,661</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">275,117</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">15,430</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1799">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">339,208</span></td></tr> <tr id="xdx_40C_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zp2hZQO6gkzb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">13,174</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,689</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1804">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1805">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">56,863</span></td></tr> <tr id="xdx_40D_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_zv9CDZqd62c8" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1808">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">286,450</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1810">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1811">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">286,450</span></td></tr> <tr id="xdx_404_eifrs-full--BankAndSimilarCharges_pn3n3_zUcq6coK8XL7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1814">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">39,842</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1816">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1817">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">39,842</span></td></tr> <tr id="xdx_40A_ecustom--OtherPersonnelExpense_pn3n3_z4PcpEoDKqP8" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other personnel costs</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,553</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">41,494</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,425</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1823">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">51,472</span></td></tr> <tr id="xdx_409_eifrs-full--DepreciationExpense_pn3n3_zYp0aCyrS5Lk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,965</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,616</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1828">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1829">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">35,581</span></td></tr> <tr id="xdx_40C_eifrs-full--SellingExpense_pn3n3_ziw7O0izM934" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Marketing expenses</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1832">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1833">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">136,142</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1835">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">136,142</span></td></tr> <tr id="xdx_40C_eifrs-full--OtherExpenseByNature_pn3n3_zSUSlXFxRBoe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others <span id="xdx_F42_z3XHZ1BqthH1">(i)</span></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">170</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">65,813</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1840">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">150,264</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">216,247</span></td></tr> <tr id="xdx_40B_ecustom--Subtotal_pn3n3_znGrYfprWfDb" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Subtotal</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>335,363</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>977,694</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>152,997</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>150,264</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,616,318</b></span></td></tr> <tr id="xdx_40C_ecustom--SharebasedCompensationContingentShareAwardTermination_pn3n3_zZfoYFO6lPz1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based compensation - contingent share award termination (note 10b) <span id="xdx_F43_zLtF2zGftzI7">(ii)</span></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1850">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">355,573</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1852">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1853">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">355,573</span></td></tr> <tr id="xdx_40F_ecustom--OthetOperatingExpense1_pn3n3_z3JS5z8mEiba" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>335,363</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,333,267</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>152,997</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>150,264</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,971,891</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_zrQN3xMyjkP3" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_zenO0oOm0hDk" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zzSHAzIIfx4f" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zjBfwDsECDii" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20210101__20211231_zV1HYL6H969" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 35%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 6%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Customer support and operations</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>General and administrative expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Marketing expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Other income (expenses)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_406_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_zouAIv8n2jgd" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">70,928</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">63,833</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1864">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1865">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">134,761</span></td></tr> <tr id="xdx_40E_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zoSGbxPZmUe2" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">34,026</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">25,843</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1870">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1871">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">59,869</span></td></tr> <tr id="xdx_406_eifrs-full--ProfessionalFeesExpense_pn3n3_z2ZlBoy6NB0e" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer services</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">48,122</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,923</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1876">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1877">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">55,045</span></td></tr> <tr id="xdx_406_eifrs-full--WagesAndSalaries_pn3n3_z9aL78NJ62ud" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">19,898</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">185,715</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,522</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1883">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">213,135</span></td></tr> <tr id="xdx_405_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zLUekPUAjUml" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">13,711</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">25,445</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1888">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1889">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">39,156</span></td></tr> <tr id="xdx_40D_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_zBcgjT93Q2y6" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1892">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">225,445</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1894">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1895">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">225,445</span></td></tr> <tr id="xdx_406_eifrs-full--BankAndSimilarCharges_pn3n3_zbwrJrv8yFs2" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1898">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,200</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1900">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1901">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,200</span></td></tr> <tr id="xdx_403_ecustom--OtherPersonnelExpense_pn3n3_zMpmV7mS1ss9" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other personnel costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,253</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,452</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">277</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1907">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">20,982</span></td></tr> <tr id="xdx_400_eifrs-full--DepreciationExpense_pn3n3_zp5e4wcEKwpj" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,217</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">16,122</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1912">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1913">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,339</span></td></tr> <tr id="xdx_40E_eifrs-full--SellingExpense_pn3n3_zjm3GfmBqSB8" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Marketing expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1916">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1917">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">71,775</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1919">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">71,775</span></td></tr> <tr id="xdx_407_eifrs-full--OtherExpenseByNature_pn3n3_zQQaNT0z0S6l" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others <span id="xdx_F4B_zfWo6aNelks7">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">354</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,923</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1924">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,097</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">36,374</span></td></tr> <tr id="xdx_408_ecustom--OthetOperatingExpense1_pn3n3_zCUqSjlECqbg" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>190,509</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>628,901</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>79,574</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,097</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>903,081</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20200101__20201231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_zpP2gheijSHf" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20200101__20201231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_zzBI3A4jZu2e" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20200101__20201231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zIq4Fh7gmALe" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20200101__20201231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zNiObPjRk5e6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20200101__20201231_zMDSBQZ3G70c" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 41%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Customer support and operations</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>General and administrative expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Marketing expenses</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Other income (expenses)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40C_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_zLO8t3zuNHg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">45,725</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">29,111</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1936">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1937">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">74,836</span></td></tr> <tr id="xdx_40C_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zbbulzvH72Mf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">21,737</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">12,352</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1942">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1943">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">34,089</span></td></tr> <tr id="xdx_407_eifrs-full--ProfessionalFeesExpense_pn3n3_zvaYkHKI497c" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer services</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">34,075</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5,488</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1948">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1949">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">39,563</span></td></tr> <tr id="xdx_403_eifrs-full--WagesAndSalaries_pn3n3_zWLRSbCDjdik" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">13,862</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">95,060</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,807</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1955">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">111,729</span></td></tr> <tr id="xdx_404_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zUwnMC8XLqr4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,074</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">11,822</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1960">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1961">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,896</span></td></tr> <tr id="xdx_404_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_zp0f5RVL8vn6" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1964">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">56,273</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1966">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1967">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">56,273</span></td></tr> <tr id="xdx_408_eifrs-full--BankAndSimilarCharges_pn3n3_zJvUEjecH5Rf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1970">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,429</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1972">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1973">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,429</span></td></tr> <tr id="xdx_40F_ecustom--OtherPersonnelExpense_pn3n3_zcfHhLy0Gbj3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other personnel costs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,827</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,121</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">140</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1979">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">12,088</span></td></tr> <tr id="xdx_40D_eifrs-full--DepreciationExpense_pn3n3_zDeHyWl4d2za" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">79</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,351</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1984">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1985">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,430</span></td></tr> <tr id="xdx_40C_eifrs-full--SellingExpense_pn3n3_zvP0HVdwT0g7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Marketing expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1988">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1989">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">16,479</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1991">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">16,479</span></td></tr> <tr id="xdx_400_eifrs-full--OtherExpenseByNature_pn3n3_zxRqCrRJ3ZXa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others <span id="xdx_F4F_zjiiUbr69Qsc">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">571</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">21,017</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl1996">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,535</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,123</span></td></tr> <tr id="xdx_40D_ecustom--OthetOperatingExpense1_pn3n3_zcteTItsYFRk" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>123,950</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>266,024</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>19,426</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,535</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>418,935</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F09_zLnBwHMOsHBi" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F1B_zDQETXWVFB0d" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Others" mainly includes federal taxes on financial income, taxes related to transfer pricing and exchange rate variation.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F07_zt3P7q4E6sKc" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F12_zoPh2CT1fH1i" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The termination of the 2021 Contingent Share Award resulted in a one-time, non-cash recognition of expenses in the total amount of US$<span id="xdx_901_eifrs-full--ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets_pn3n3_c20220101__20221231_zEPW7DoKpGse" title="Recognition of expenses">355,573</span> in the 2022 fourth-quarter results of the Company.</td></tr> </table> <p id="xdx_8A6_zIMKGp7j6pe8" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Infrastructure and data processing costs include technology, non-capitalized software costs, and other related costs, primarily related to the cloud infrastructure used by the Group and other software used in the service of the customers. These costs associated exclusively with customer’s transactions are presented as “Customer support and operations” and the remaining costs as “General and Administrative expenses”. The software costs related to developing new modules are recognized as intangible assets.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Credit analysis and collection costs include fees paid to the credit bureaus and costs related to collection agencies. The credit analysis costs associated with the initial credit analysis of an applicant is presented as “General and administrative expenses” and the remaining is presented as “Customer support and operations".</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Customer services primarily include costs with customer services provided by service providers. These costs exclusively related to acquisition of new clients are presented as “General and administrative expenses” and all others are presented as “Customer support and operations”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Salaries and associated benefit expenses for customer services employees not associated with the acquisition of new clients is presented as “Customer support and operations” and salaries and associated benefit expenses for marketing employees is presented as “Marketing expenses”. All activities from other employees and the activities related to acquisition of new clients performed by customer service employees is presented as “General and administrative expenses”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Credit and debit card issuance costs include printing, packing, shipping costs and other costs. Costs related to the first issued card to a customer are initially recorded as a “Deferred expenses” asset included in “Other assets” and then amortized. The amortization related to the first card of the customer is presented as “General and administrative expenses” and the remaining costs, including the ones related to subsequent cards, are presented as “Customer support and operations”.</p> | |
| CY2022 | nu |
Infrastructure And Data Processing Costs
InfrastructureAndDataProcessingCosts
|
276504000 | usd |
| CY2022 | nu |
Credit Analysis And Collection Costs
CreditAnalysisAndCollectionCosts
|
94012000 | usd |
| CY2022 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
83997000 | usd |
| CY2022 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
339208000 | usd |
| CY2022 | nu |
Credit And Debit Card Issuance Costs
CreditAndDebitCardIssuanceCosts
|
56863000 | usd |
| CY2022 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
286450000 | usd |
| CY2022 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
39842000 | usd |
| CY2022 | nu |
Other Personnel Expense
OtherPersonnelExpense
|
51472000 | usd |
| CY2022 | ifrs-full |
Depreciation Expense
DepreciationExpense
|
35581000 | usd |
| CY2022 | ifrs-full |
Selling Expense
SellingExpense
|
136142000 | usd |
| CY2022 | ifrs-full |
Other Expense By Nature
OtherExpenseByNature
|
216247000 | usd |
| CY2022 | nu |
Subtotal
Subtotal
|
1616318000 | usd |
| CY2022 | nu |
Sharebased Compensation Contingent Share Award Termination
SharebasedCompensationContingentShareAwardTermination
|
355573000 | usd |
| CY2022 | nu |
Othet Operating Expense1
OthetOperatingExpense1
|
1971891000 | usd |
| CY2021 | nu |
Infrastructure And Data Processing Costs
InfrastructureAndDataProcessingCosts
|
134761000 | usd |
| CY2021 | nu |
Credit Analysis And Collection Costs
CreditAnalysisAndCollectionCosts
|
59869000 | usd |
| CY2021 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
55045000 | usd |
| CY2021 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
213135000 | usd |
| CY2021 | nu |
Credit And Debit Card Issuance Costs
CreditAndDebitCardIssuanceCosts
|
39156000 | usd |
| CY2021 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
225445000 | usd |
| CY2021 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
29200000 | usd |
| CY2021 | nu |
Other Personnel Expense
OtherPersonnelExpense
|
20982000 | usd |
| CY2021 | ifrs-full |
Depreciation Expense
DepreciationExpense
|
17339000 | usd |
| CY2021 | ifrs-full |
Selling Expense
SellingExpense
|
71775000 | usd |
| CY2021 | ifrs-full |
Other Expense By Nature
OtherExpenseByNature
|
36374000 | usd |
| CY2021 | nu |
Othet Operating Expense1
OthetOperatingExpense1
|
903081000 | usd |
| CY2020 | nu |
Infrastructure And Data Processing Costs
InfrastructureAndDataProcessingCosts
|
74836000 | usd |
| CY2020 | nu |
Credit Analysis And Collection Costs
CreditAnalysisAndCollectionCosts
|
34089000 | usd |
| CY2020 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
39563000 | usd |
| CY2020 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
111729000 | usd |
| CY2020 | nu |
Credit And Debit Card Issuance Costs
CreditAndDebitCardIssuanceCosts
|
17896000 | usd |
| CY2020 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
56273000 | usd |
| CY2020 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
17429000 | usd |
| CY2020 | nu |
Other Personnel Expense
OtherPersonnelExpense
|
12088000 | usd |
| CY2020 | ifrs-full |
Depreciation Expense
DepreciationExpense
|
7430000 | usd |
| CY2020 | ifrs-full |
Selling Expense
SellingExpense
|
16479000 | usd |
| CY2020 | nu |
Othet Operating Expense1
OthetOperatingExpense1
|
418935000 | usd |
| CY2022 | ifrs-full |
Expense From Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
355573000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Earnings Per Share Explanatory
DisclosureOfEarningsPerShareExplanatory
|
<p id="xdx_806_eifrs-full--DisclosureOfEarningsPerShareExplanatory_znEb96g4nyj6" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">9. <span id="xdx_82B_znjGo7wrQ6Fj">Loss per share</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--DisclosureOfEarningsPerShareTableExplanatory_pn3n3_ztvxqmLXt65i" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loss per share (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zqSLju4TOwzk" style="display: none">Schedule of earnings per share</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loss attributable to shareholders of the parent company</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_c20220101__20221231_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(364,578)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_pn3n3_c20210101__20211231_zqtnopNCtOc1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(164,993)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_pn3n3_c20200101__20201231_zpP8eMAvNGi2" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(171,491)</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average outstanding shares - ordinary shares - basic (thousands)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20220101__20221231_zgSjGTvfQazg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>4,676,941</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20210101__20211231_zVDqbbdpPEhg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>1,602,126</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20200101__20201231_zfPVxafx3M91" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>1,315,578</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Adjustment for the basic earnings per shares:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deferred M&A shares that will be issued based on the passage of time only</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20220101__20221231_zMBw5ecItlpf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%">36</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20210101__20211231_zqxxMwGgToPe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2028">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20200101__20201231_z4CrCH8UviQf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2030">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total weighted average of ordinary outstanding shares for basic and diluted EPS (in thousands of shares)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20220101__20221231_z0OCAPB1Sqt1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>4,676,977</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20210101__20211231_zVIUm1eotSmb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>1,602,126</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20200101__20201231_zITgrn4d5SSf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>1,315,578</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loss per share – basic and diluted (US$)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20220101__20221231_z5N0FREFZQ64" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20210101__20211231_zPRyYVykA8ei" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%"><b>(0.1030)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20200101__20201231_zSSG9YDQHaMe" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%">(0.1304)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Antidilutive instruments not considered in the weighted number of shares (in thousands of shares)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--AdjustedWeightedAverageShares_pip0_c20220101__20221231_zvFyE8OP6aa7" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">184,362</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--AdjustedWeightedAverageShares_pip0_c20210101__20211231_zIw807BD0el3" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">334,436</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--AdjustedWeightedAverageShares_pip0_c20200101__20201231_zSwUYDiA6WRh" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">405,394</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The Company has instruments that will become common shares upon exercise, acquisition, conversion (SOPs, RSUs, and Awards described in note 10), or satisfaction of specific business combinations conditions (described in note 1). These instruments were not included in the weighted number of shares for diluted earnings per share because they would be antidilutive. The anti-dilutive instruments not considered in the weighted number of shares, for the periods presenting negative results, correspond to the total number of shares that could be converted into ordinary shares. The number of shares for all periods presented was adjusted to reflect the 6 to 1 share split approved on August 30, 2021 (note 28).</p> | |
| CY2022 | nu |
Disclosure Of Earnings Per Share Table Explanatory
DisclosureOfEarningsPerShareTableExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--DisclosureOfEarningsPerShareTableExplanatory_pn3n3_ztvxqmLXt65i" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loss per share (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zqSLju4TOwzk" style="display: none">Schedule of earnings per share</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loss attributable to shareholders of the parent company</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_c20220101__20221231_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(364,578)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_pn3n3_c20210101__20211231_zqtnopNCtOc1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(164,993)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_pn3n3_c20200101__20201231_zpP8eMAvNGi2" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss attributable to shareholders of the parent company"><span style="font-size: 8pt; line-height: 115%"><b>(171,491)</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average outstanding shares - ordinary shares - basic (thousands)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20220101__20221231_zgSjGTvfQazg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>4,676,941</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20210101__20211231_zVDqbbdpPEhg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>1,602,126</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageOutstandingSharesOrdinarySharesBasic_pip0_c20200101__20201231_zfPVxafx3M91" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Weighted average outstanding shares ordinary shares basic"><span style="font-size: 8pt; line-height: 115%"><b>1,315,578</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Adjustment for the basic earnings per shares:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deferred M&A shares that will be issued based on the passage of time only</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20220101__20221231_zMBw5ecItlpf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%">36</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20210101__20211231_zqxxMwGgToPe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2028">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly_pn3n3_c20200101__20201231_z4CrCH8UviQf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred M&A shares that will be issued based on the passage of time only"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2030">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total weighted average of ordinary outstanding shares for basic and diluted EPS (in thousands of shares)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20220101__20221231_z0OCAPB1Sqt1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>4,676,977</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20210101__20211231_zVIUm1eotSmb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>1,602,126</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps_pip0_c20200101__20201231_zITgrn4d5SSf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total weighted average of ordinary outstanding shares for basic and diluted EPS"><span style="font-size: 8pt; line-height: 115%"><b>1,315,578</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loss per share – basic and diluted (US$)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20220101__20221231_z5N0FREFZQ64" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20210101__20211231_zPRyYVykA8ei" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%"><b>(0.1030)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--BasicAndDilutedEarningLossPerShare_pid_c20200101__20201231_zSSG9YDQHaMe" style="padding: 2pt; text-align: right; line-height: 115%" title="Basic and diluted earning loss per share"><span style="font-size: 8pt; line-height: 115%">(0.1304)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Antidilutive instruments not considered in the weighted number of shares (in thousands of shares)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--AdjustedWeightedAverageShares_pip0_c20220101__20221231_zvFyE8OP6aa7" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">184,362</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--AdjustedWeightedAverageShares_pip0_c20210101__20211231_zIw807BD0el3" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">334,436</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--AdjustedWeightedAverageShares_pip0_c20200101__20201231_zSwUYDiA6WRh" style="padding: 2pt; text-align: right; line-height: 115%" title="Antidilutive instruments not considered in the weighted number of shares"><span style="font-size: 8pt; line-height: 115%">405,394</span></td></tr> </table> | |
| CY2022 | ifrs-full |
Profit Loss From Continuing Operations Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity
|
-364578000 | usd |
| CY2021 | ifrs-full |
Profit Loss From Continuing Operations Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity
|
-164993000 | usd |
| CY2020 | ifrs-full |
Profit Loss From Continuing Operations Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity
|
-171491000 | usd |
| CY2022 | nu |
Weighted Average Outstanding Shares Ordinary Shares Basic
WeightedAverageOutstandingSharesOrdinarySharesBasic
|
4676941 | shares |
| CY2021 | nu |
Weighted Average Outstanding Shares Ordinary Shares Basic
WeightedAverageOutstandingSharesOrdinarySharesBasic
|
1602126 | shares |
| CY2020 | nu |
Weighted Average Outstanding Shares Ordinary Shares Basic
WeightedAverageOutstandingSharesOrdinarySharesBasic
|
1315578 | shares |
| CY2022 | nu |
Deferred Ma Shares That Will Be Issued Based On Passage Of Time Only
DeferredMaSharesThatWillBeIssuedBasedOnPassageOfTimeOnly
|
36000 | usd |
| CY2022 | nu |
Total Weighted Average Of Ordinary Outstanding Shares For Basic And Diluted Eps
TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps
|
4676977 | shares |
| CY2021 | nu |
Total Weighted Average Of Ordinary Outstanding Shares For Basic And Diluted Eps
TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps
|
1602126 | shares |
| CY2020 | nu |
Total Weighted Average Of Ordinary Outstanding Shares For Basic And Diluted Eps
TotalWeightedAverageOfOrdinaryOutstandingSharesForBasicAndDilutedEps
|
1315578 | shares |
| CY2022 | nu |
Basic And Diluted Earning Loss Per Share
BasicAndDilutedEarningLossPerShare
|
-0.0780 | |
| CY2021 | nu |
Basic And Diluted Earning Loss Per Share
BasicAndDilutedEarningLossPerShare
|
-0.1030 | |
| CY2020 | nu |
Basic And Diluted Earning Loss Per Share
BasicAndDilutedEarningLossPerShare
|
-0.1304 | |
| CY2022 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
184362 | shares |
| CY2021 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
334436 | shares |
| CY2020 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
405394 | shares |
| CY2022 | ifrs-full |
Disclosure Of Sharebased Payment Arrangements Explanatory
DisclosureOfSharebasedPaymentArrangementsExplanatory
|
<p id="xdx_806_eifrs-full--DisclosureOfSharebasedPaymentArrangementsExplanatory_z1uIHrB2T3S8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">10. <span id="xdx_824_zXfqcF1A602c">Share-based payments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in"><b>a)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span>Share settled awards</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s employee incentives include share settled awards in the form of stock, offering them the opportunity to purchase ordinary shares by exercising options (Stock Options – “SOPs”), receiving ordinary shares (Restricted Stock Units – “RSUs”) upon vesting, and receiving shares upon the achievement of market conditions and passage of time ("Awards").</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The cost of the employee services received with respect to the SOPs and RSUs granted is recognized in the statement of profit or loss over the period that the employee provides services and according to the vesting conditions. The Group has also issued Awards in 2020 and 2021 that grant shares upon the achievement of market conditions related to the valuation of the Company, and also the passage of time for the Awards issued in 2021. RSUs incentive was implemented in 2020 and is the main incentive since then.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the end of 2016, the subsidiary Nu Pagamentos transferred its SOP plan to its indirect parent company, Nu Holdings, which became the issuer of the SOPs to all its subsidiaries under the program. The strike price of the options was determined in R$ until the transfer of the plan to Nu Holdings and thereafter in US$, accompanying the functional currency of the issuer. The plan was initially approved by the Board of Directors of Nu Pagamentos in July 2013. On January 30, 2020, Nu Holdings approved its Omnibus Incentive Plan which included the issuance of RSUs. </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">SOPs and RSUs are issued as part of the performance cycle and as a signing bonus. Over time, SOPs and RSUs have been issued with different vesting periods. Once vested, the options can be exercised up to 10 years after the grant date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The overall cost of the grants is calculated using the number of SOPs and RSUs expected to vest and their fair values at the date of the grant. The number of SOPs and RSUs expected to vest considers the likelihood that service conditions included in the terms of the awards will be met and it is based on historical forfeiture. Failure to meet the vesting condition is treated as a forfeiture, resulting in a true-up for the costs and no further recognition of the expense.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The fair value of SOPs granted is determined based on a Black-Scholes option-pricing model. The Black-Scholes option-pricing model considers the exercise price of the option, the share price at the grant date, the expected term, the risk-free interest rate, the expected volatility of the share, and other relevant factors. The expected term of the SOPs is calculated based on the mid-point between the weighted-average time to vesting and the contractual maturity because the Group does not have significant historical post-vesting activity. The expected terms for SOPs with vesting periods of 4 and 5 years are 6.25 and 6.50 years, respectively.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The terms and conditions of the RSUs plans require the Group to withhold shares from the settlement to its employees to settle the employee’s tax obligation. Accordingly, the Group settles the transaction on a net basis by withholding the number of shares with a fair value equal to the monetary value of the employee’s tax obligation and issues the remaining shares to the employee on the vesting date. The employee’s tax obligation associated with the RSUs is calculated substantially based on the expected employee's personal tax rate and the fair value of the shares on the vesting date. In addition, for the countries where the Group is required to pay taxes and social security taxes, the Group recognizes expenses related to corporate and social security taxes on the applicable awards, calculated mainly by applying the taxes rates to the fair value of the ordinary shares at the reporting dates, and presents them as "Share-based compensation" within "General and administrative expenses" in the consolidated statements of profit or loss.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The fair value of the Awards was determined using a Monte Carlo simulation model. The Monte Carlo model considers the expected time until the market condition is satisfied, the share price at the grant date, the risk-free interest rate, the expected volatility of the share, and other relevant factors. The vesting period reflects the estimate of the length to when the Company reaches the valuation determined by the market condition and will not be subsequently revised. The expenses will be recorded during the vesting period irrespective of whether that market condition is satisfied.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The expected life of the SOPs was calculated as described above and is not necessarily indicative of exercise patterns that may occur. The expected volatility was calculated, up to 2018, based on hypothetical peer-leveraged volatility based on available data reflecting small-cap Brazilian companies through the iShares MSCI Brazil Small-Cap ETF ("EWZS”) due to available peers having short trading histories, and after 2019, on a leverage-adjusted peer-based volatility. The volatility reflects the assumption that the historical volatility over a period similar to the life of the stock options or to the Award over the expected time until the market condition is satisfied is indicative of future trends, which may not necessarily be the actual outcome.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Before the IPO date, the share price used as an input to the Black-Scholes and Monte Carlo models and for the RSUs was calculated using one or a combination of a discounted cash flow model ("CFM") and an option pricing model ("OPM") based substantially on the previous preferred share price transactions. The dividend was determined to be zero because the Company does not expect to pay it in the foreseeable future, and the holders of SOPs, RSUs and Awards do not have rights to dividends. The Company applied a discount for the lack of marketability, calculated based on a Finnerty Model, to the results of the models to reflect the lack of publicly or active market for selling the shares. After the IPO date, the fair value of RSUs granted is determined based on the publicly traded price.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">There were no changes to the terms and conditions of the SOPs and RSUs after the grant date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The changes in the number of SOPs and RSUs are as follows. WAEP is the weighted average exercise price and WAGDFV is the weighted average fair value at the grant date.</p> <table cellpadding="0" cellspacing="0" id="xdx_894_ecustom--DisclosureOfAwardsAfterTheGrantDateExplanatory_pn3n3_zc2mrq9r1Shd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zZY8lB0I1QX" style="display: none">The changes in the number of SOPs and RSUs are as follows. WAEP is the weighted average exercise price and WAGDFV is the weighted average fair value at the grant date</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 41%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>SOPs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on January 1</b></span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20220101__20221231_zLNDg3RpUXY7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageSharePrice_iS_pid_c20220101__20221231_zpOTFN6AAus7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20210101__20211231_z6BMiCbAtxN4" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice_iS_pid_c20210101__20211231_zOv4d1gUcIke" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20200101__20201231_zV8D4otHChXd" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>51,034,938</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageSharePrice_iS_pid_c20200101__20201231_zEnEAGlLsyz7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.91</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Granted during the year</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementGranted_pid_c20210101__20211231_z5xYeMu7R1x6" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">1,141,362</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceGranted_pid_c20210101__20211231_zO4OI96cCVR6" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">23.75</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementGranted_pid_c20200101__20201231_zS9LERjeZMD8" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">3,376,767</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePriceGranted_pid_c20200101__20201231_zTxcxD0vcug3" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">9.92</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exercised during the year</span></td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20220101__20221231_zTpzscuQsmD7" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(37,095,966)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageSharePriceExercised_pid_c20220101__20221231_zzgmT12yf5La" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.12</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20210101__20211231_zYl3dlOM0zAl" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(18,822,551)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceExercised_pid_c20210101__20211231_zGzsOPrZLSsc" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.38</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20200101__20201231_z7Szm0CzYkL8" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(6,804,750)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceExercised_pid_c20200101__20201231_zFYylerlcBr2" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.24</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forfeited during the year</span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20220101__20221231_z21UOjl4wGQ9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(5,517,146)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20210101__20211231_zRg3vNcP8hf4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(853,059)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20200101__20201231_zWpbwhGY1vy6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(5,091,134)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20220101__20221231_zq4palvMFmT4" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20220101__20221231_zLCwQnOdnst" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20210101__20211231_zQ6YCLsjnlk5" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>23,981,573</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20210101__20211231_z8FsGabqJX3k" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>3.01</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20200101__20201231_zntFcsUh4As6" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20200101__20201231_zsaar4iSRGMf" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of options due to 6-for-1 forward split</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAIssuanceOfOptions_pid_c20210101__20211231_zr1rDnIuXyhh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Issuance of options due to 6-for-1 forward split"><span style="font-size: 8pt; line-height: 115%">119,907,866</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on December 31</b></span></td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20220101__20221231_zUuPMDfIVGRd" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WeightedAverageSharePrice_iE_pid_c20220101__20221231_zvXTkSPeOkJ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20210101__20211231_zcrELMILR9Nj" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pid_c20210101__20211231_zxDK68AItX93" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20200101__20201231_ziPPs9k5nCJh" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pid_c20200101__20201231_zh7gUttXoRKf" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Exercisable on December 31</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20221231_zeKlS5WciyAc" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>81,813,095</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePrice1_iI_pid_c20221231_zo7uVVbUm4Mk" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20211231_zp4uYcRVt2wa" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>101,416,310</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageSharePrice1_iI_pid_c20211231_zEhxvzocQHmd" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.33</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20201231_z3pZFjrdMlSf" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>30,190,826</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePrice1_iI_pid_c20201231_zI4hFbuUD8xa" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.56</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 41%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>RSUs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on January 1</b></span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20220101__20221231_zZBZ9qWsyUm2" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iS_pid_c20220101__20221231_zP4MkM4sPyAg" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20210101__20211231_zbI93ZVAZ1S7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePrice2_iS_pid_c20210101__20211231_zVxCqaVmOWol" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20200101__20201231_zI0kOTRG6eb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2138">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Granted during the year</span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20220101__20221231_zXC3Hl9zcTBb" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">32,294,522</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceGranted2_pid_c20220101__20221231_z3zKMJ5rEyyc" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">5.47</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20210101__20211231_zTHFFhtK4lUg" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">13,103,243</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceGranted2_pid_c20210101__20211231_zJhvbOLVeRg2" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">36.65</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20200101__20201231_zwRT34XwAy68" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">6,048,335</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceGranted2_pid_c20200101__20201231_z5p8uhPxpLnd" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">10.45</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Vested during the year</span></td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20220101__20221231_zfbJG3u5Ho91" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(27,322,614)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceExercised2_pid_c20220101__20221231_zIHTQ2l764Rj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">3.64</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20210101__20211231_zbSOOmnE2jH4" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(3,092,289)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePriceExercised2_pid_c20210101__20211231_zFVs2Ucn9Jd5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">15.06</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20200101__20201231_zGrvjRrJPuCa" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(430,680)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePriceExercised2_pid_c20200101__20201231_zPsN7fuknuXc" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">10.46</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forfeited during the year</span></td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20220101__20221231_zy5HPk3qswC1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(13,494,950)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20210101__20211231_zvcCH3aYijJ5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(1,817,919)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20200101__20201231_ztcYxYONbkO3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(323,201)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20220101__20221231_zf4HMhUfv4mc" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20220101__20221231_zbIV99WZvqMa" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20210101__20211231_zvmPEVJYHHBg" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>13,487,489</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20210101__20211231_z6xZuBE9hZxc" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>28.91</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20200101__20201231_zPZzNuQ5g32l" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20200101__20201231_zYbYdslw5Os5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of RSUs due to 6-for-1 forward split</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAIssuanceOfOneOptions_pid_c20210101__20211231_zg1MWyLWeyB9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Issuance of RSUs due to 6-for-1 forward split"><span style="font-size: 8pt; line-height: 115%">67,437,448</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on December 31</b></span></td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20220101__20221231_zzFyDFiK2LKk" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WeightedAverageSharePrice2_iI_pid_c20221231_zYQxGQFrllce" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20210101__20211231_zLAlVgVRqDqc" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iI_pid_c20211231_z67G0g5J3R38" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20200101__20201231_z4sGpHXwEVR8" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iI_pid_c20201231_zaBKuJkOlEW5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td></tr> </table> <p id="xdx_8A5_zD0o5OUx8EP4" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><br/> The following table presents the total amount of share-based compensation granted, excluding the effects of the contingent share award termination (described in note 10b), and provision for taxes as of December 31, 2022, 2021 and 2020.</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfShareBsedCmpensationGrantedTableTextBlock_zVMD76PdXrFl" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zsQEcfD8FrEl" style="display: none">Schedule of share-based compensation granted, excluding the effects of the contingent share award termination</span></td> <td id="xdx_494_20220101__20221231_zloJo53Bv0L5" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231_zdZz0dpzdbNh" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20200101__20201231_zZglCS2Yfst6" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 62%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40D_ecustom--SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses_pn3n3_zvLVxVcui3Q9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">SOP and RSU expenses and related corporate and social security taxes expenses</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">126,167</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">151,115</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">42,981</span></td></tr> <tr id="xdx_402_ecustom--RsusAndSopsGrantBusinessCombination_pn3n3_zBJLGrfxktya" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">RSUs and SOPs grant - business combination</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,116</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">45,597</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,946</span></td></tr> <tr id="xdx_40B_ecustom--AwardsExpensesAndRelatedTaxesPriorToCancelation_pn3n3_zY1vkyXhxrCl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Awards expenses and related taxes, prior to the cancelation</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">113,172</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">28,733</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,346</span></td></tr> <tr id="xdx_40E_ecustom--FairValueAdjustmentHedgeOfCorporateAndSocialSecurityTaxesNote18_pn3n3_ziziNFnhpCvh" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value adjustment - hedge of corporate and social security taxes (note 18)</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,995</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2211">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2212">-</span></span></td></tr> <tr id="xdx_408_ecustom--TotalSharebasedCompensationExpensesNote8_pn3n3_zmKJANLtzJya" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total share-based compensation expenses (note 8)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>286,450</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>225,445</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>56,273</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40E_ecustom--SharebasedPaymentsGrantedNetOfSharesWithheldForEmployeeTaxes_pn3n3_zGqAsy4WaNZi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Share-based payments granted, net of shares withheld for employee taxes</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>201,991</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>139,025</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>40,861</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20220101__20221231_zZkKDIXAV8J9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231_zSi2CxStoug7" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20200101__20201231_z0hmlh6wuW46" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 62%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr id="xdx_403_ecustom--LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions_pn3n3_z4f6HzurV3gl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liability provision for taxes presented as salaries, allowances and social security contributions</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">32,554</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">61,772</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,334</span></td></tr> </table> <p id="xdx_8AE_zj9kSRTUzfel" style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In 2022, there were no SOPs granted. The following table presents additional information relating to the SOP characteristics and the valuation model:</p> <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory_zuuLzkt8b7La" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zoPSGFut7Bc4" style="display: none">The following table presents additional information relating to the SOP characteristics and the valuation model</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 62%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pid_c20221231_zJrVlU4gu2p8" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted"><span style="font-size: 8pt; line-height: 115%">2.58</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pid_c20201231_zPfMsJVIaSja" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted"><span style="font-size: 8pt; line-height: 115%">7.45</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average share fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pid_c20221231_zXzBBBrTXkPj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted1"><span style="font-size: 8pt; line-height: 115%">3.97</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pid_c20201231_z2Qvpsmn6kOd" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted1"><span style="font-size: 8pt; line-height: 115%">10.53</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exercise price of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueOfOptionGranted11_iI_pid_c20211231_zyVAuEOWoo4b" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted11"><span style="font-size: 8pt; line-height: 115%">3.98</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--WeightedAverageFairValueOfOptionGrantedMinimum_iI_pid_c20201231_zYYZt3H1HU4c" title="Weighted average fair value of option granted minimum">6.70</span> to <span id="xdx_90D_ecustom--WeightedAverageFairValueOfOptionGrantedMaximum_iI_pid_c20201231_zNnfJqwwocr6" title="Weighted average fair value of option granted maximum">10.4</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Expected volatility in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20211231_zO8MBzkFwT0i" title="Weighted average fair value of option granted percentage minimum">72.5</span> and <span id="xdx_90A_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20211231_z6WdHZficSv8" title="Weighted average fair value of option granted percentage maximum">75.0</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20201231_zmKB1YBfH7j5" title="Weighted average fair value of option granted percentage minimum">69.5</span> and <span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20201231_ztJ4xVCorxb3" title="Weighted average fair value of option granted percentage maximum">77.9</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Risk–free interest rate p.y. in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--RiskfreeInterestRateP._iI_pid_dp_c20211231_zYlzS2yDQWE8" title="Risk free interest rate P">0.5</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RiskfreeInterestRatePMinimum_iI_pid_dp_c20201231_zPBXB2PzmY7h" title="Risk free interest rate P minimum">1.3</span> to <span id="xdx_907_ecustom--RiskFreeInterestRatePMaximum_iI_pid_dp_c20201231_zJdkQiCB9js1" title="Risk free interest rate P maximum">1.7</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average share price at the date of exercise of options during the year (US$)</span></td> <td id="xdx_988_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20221231_z1xTEBfK2SH6" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">7.72</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20211231_zvCgqeTpB1zj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">6.38</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20201231_z6GEpxNXYkY" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">10.6</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average remaining contractual life of options outstanding at year-end (years)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20220101__20221231_zdEjj3JC9xl8" title="Weighted average remaining contractual life of outstanding share options">4.8</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20210101__20211231_zLXOeCkxJDEh" title="Weighted average remaining contractual life of outstanding share options">5.7</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20200101__20201231_zVSsuxgrBOn8" title="Weighted average remaining contractual life of outstanding share options">6.0</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Range of exercise prices of options outstanding at year end (US$)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Zero to US$ 0.10</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zu9ZSGHYvwK4" title="Range of exercise prices remaining at year end">45.07</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zyG2NVlDsdL8" title="Range of exercise prices remaining at year end">51.96</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zrVgpRSCwqo8" title="Range of exercise prices remaining at year end">68.60</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">US$ 0.11 to US$ 0.50</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zmbUUBWg0T97" title="Range of exercise prices remaining at year end">28.20</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zkEaTpIowtE9" title="Range of exercise prices remaining at year end">28.58</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zmvMEemKi8B2" title="Range of exercise prices remaining at year end">22.20</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">US$ 0.51 to US$ 15.00</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_z6NenIuOVEge" title="Range of exercise prices remaining at year end">26.73</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zoS6juwJGTl6" title="Range of exercise prices remaining at year end">19.46</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zLEa4rAX8Ede" title="Range of exercise prices remaining at year end">9.20</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Greater than US$ 15.01</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total cash to be received upon exercise of SOPs outstanding at year end</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Vested</span></td> <td id="xdx_983_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20220101__20221231_zQpj1EXUq3e7" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">44,849</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20210101__20211231_zLHsy1Mmp7cg" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">33,437</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20200101__20201231_zQU33OVvfDxe" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">16,761</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Unvested</span></td> <td id="xdx_982_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20220101__20221231_zgXPk9gtJEhb" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">28,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20210101__20211231_zZ1HPAjrAULa" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">46,146</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20200101__20201231_z4iLfSNt2tra" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">50,375</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%"><span style="font-weight: normal">(*)</span></td> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%"><span style="font-weight: normal">After the 6-for-1 forward share split.</span></td></tr> </table> <p id="xdx_8A9_zHcmz2CpA4Ke" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table presents additional information relating to the RSUs and Awards characteristics and the valuation model:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory_z0xMGLwgPeK3" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zp4eqvlXTWi9" style="display: none">The following table presents additional information relating to the RSUs and Awards characteristics and the valuation model</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 75%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Most relevant vesting periods for the grants outstanding</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3 years</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20221231_zcyuKgsm9oPa" title="Most relevant vesting periods for the grants outstanding">53.52</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20211231_zRylf5PAsLyg" title="Most relevant vesting periods for the grants outstanding">49.70</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5 years</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20221231_zkLes6HYjkmk" title="Most relevant vesting periods for grants outstanding1">39.95</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20211231_z37OjvNGmT5h" title="Most relevant vesting periods for grants outstanding1">44.50</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Volatility (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum_iI_pip0_dp_c20211231_zsYQDcpSHJU1" title="Most relevant vesting periods for grants outstanding minimum">68.0</span> to <span id="xdx_907_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum_iI_pip0_dp_c20211231_zOrGINkThsq5" title="Most relevant vesting periods for grants outstanding maximum">75.0</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Discount for the lack of marketability (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum1_iI_pip0_dp_c20211231_zJhPiYPU52Jf" title="Most relevant vesting periods for grants outstanding minimum1">17.0</span> to <span id="xdx_90D_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum1_iI_pip0_dp_c20211231_zBwHhUYyjpFj" title="Most relevant vesting periods for grants outstanding maximum1">19.0</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Risk free interest rate (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum2_iI_pip0_dp_c20211231_zHSTT6W0qLGb" title="Most relevant vesting periods for grants outstanding minimum 2">0.06</span> to <span id="xdx_900_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum2_iI_pip0_dp_c20211231_zs3urErc20wj" title="Most relevant vesting periods for grants outstanding maximum 2">0.11</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Awards vesting period</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfAwardsVestingPeriod_c20220101__20221231_ztBZ0rmX2XP5" title="Description of awards vesting period">Up to 3.2 years</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfAwardsVestingPeriod_c20210101__20211231_zkNB2CcICvK1" title="Description of awards vesting period">Up to 7.4 years</span></span></td></tr> </table> <p id="xdx_8A1_zFHIVV8Z2x1g" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; text-indent: 0in"><b>b)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span>Contingent Share Award (CSA) termination</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On November 29, 2022, Mr. David Vélez, the Company's Chief Executive Office, decided to terminate the 2021 Contingent Share Award. As a result of the termination, the Company recorded expenses of US$<span id="xdx_90C_eifrs-full--ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets_pn3n3_c20221101__20221129__srt--TitleOfIndividualAxis__srt--ChiefExecutiveOfficerMember_zXXBiuacBPD1" title="Expenses">355,573</span> due to the acceleration of the vesting. After such one-time recognition, the Company will no longer account for any expense associated with the 2021 Contingent Share Award. Such termination did not impact our cash flows and did not create any dilution for the Company's shareholders.<br/> <br/> <br/> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><br/> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The 2021 Contingent Share Award was granted on November 22, 2021 and its main terms were: (i) issuance of a number of class A ordinary shares equal to <span id="xdx_901_ecustom--OridinaryPercentage_iI_pip0_dp_c20221122_zgwWz0X1IcKe" title="Oridinary percentage">1</span>% of the total number of ordinary shares in issue (on an as-converted, fully diluted basis) of the Company when the class A share price is equal to or greater than US$<span id="xdx_902_eifrs-full--ExercisePriceOfOutstandingShareOptions2019_iI_pid_c20211122_zDpVBKgyvFj9" title="Share price">18.69</span> per share but less than US$<span id="xdx_901_eifrs-full--ExercisePriceShareOptionsGranted2019_pid_c20211101__20211122_zOsqOOXoAPRh" title="Share price">35.30</span> per share; and (ii) issuance of a number of class A ordinary shares equal to <span id="xdx_90D_ecustom--OridinaryPercentage_iI_pip0_dp_c20211122__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassAOrdinarySharesMember_zfd9HbgScmMl" title="Oridinary percentage">1</span>% of the total number of ordinary shares in issue (on an as-converted, fully diluted basis) of the Company when the class A share price is equal to or greater than US$<span id="xdx_906_eifrs-full--ExercisePriceOfOutstandingShareOptions2019_iI_pid_c20211122__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassAOrdinarySharesMember_z4R0PZUyuFYk" title="Share price">35.30</span> per share.</p> <table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--ScheduleOfContingentShareAwardGrantedTableTextBlock_zHoXXtGSMiDj" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 4)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_zwNqb6NVRKR1" style="display: none">Schedule of contingent share award</span></td> <td id="xdx_49E_20220101__20221231_z06TiejMdLu2" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 85%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--ContingentShareAwardTermination_pn3n3_z51x72SiHhHa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Contingent share award termination</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">355,573</span></td></tr> </table> <p id="xdx_8A4_zCeZoKd6BAh9" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company will continue to record the expenses related to the 2020 Contingent Share Award which underlying shares were issued in July 2021. As of December 31, 2022, there was US$<span id="xdx_90B_eifrs-full--ExpenseFromContinuingInvolvementInDerecognisedFinancialAssetsCumulativelyRecognised_iI_pn3n3_c20221231_zCXcB4aCZ8f4" title="Expenses">30,043</span> to be recorded as expenses until February 2025.</p> | |
| CY2022 | nu |
Disclosure Of Awards After The Grant Date Explanatory
DisclosureOfAwardsAfterTheGrantDateExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_894_ecustom--DisclosureOfAwardsAfterTheGrantDateExplanatory_pn3n3_zc2mrq9r1Shd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zZY8lB0I1QX" style="display: none">The changes in the number of SOPs and RSUs are as follows. WAEP is the weighted average exercise price and WAGDFV is the weighted average fair value at the grant date</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 41%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>SOPs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAEP (US$)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on January 1</b></span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20220101__20221231_zLNDg3RpUXY7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageSharePrice_iS_pid_c20220101__20221231_zpOTFN6AAus7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20210101__20211231_z6BMiCbAtxN4" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice_iS_pid_c20210101__20211231_zOv4d1gUcIke" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pid_c20200101__20201231_zV8D4otHChXd" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>51,034,938</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageSharePrice_iS_pid_c20200101__20201231_zEnEAGlLsyz7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.91</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Granted during the year</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementGranted_pid_c20210101__20211231_z5xYeMu7R1x6" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">1,141,362</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceGranted_pid_c20210101__20211231_zO4OI96cCVR6" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">23.75</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementGranted_pid_c20200101__20201231_zS9LERjeZMD8" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">3,376,767</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePriceGranted_pid_c20200101__20201231_zTxcxD0vcug3" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">9.92</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exercised during the year</span></td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20220101__20221231_zTpzscuQsmD7" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(37,095,966)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageSharePriceExercised_pid_c20220101__20221231_zzgmT12yf5La" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.12</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20210101__20211231_zYl3dlOM0zAl" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(18,822,551)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceExercised_pid_c20210101__20211231_zGzsOPrZLSsc" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.38</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementExercised_pid_c20200101__20201231_z7Szm0CzYkL8" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year"><span style="font-size: 8pt; line-height: 115%">(6,804,750)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceExercised_pid_c20200101__20201231_zFYylerlcBr2" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercised during the year per share"><span style="font-size: 8pt; line-height: 115%">0.24</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forfeited during the year</span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20220101__20221231_z21UOjl4wGQ9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(5,517,146)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20210101__20211231_zRg3vNcP8hf4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(853,059)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pid_c20200101__20201231_zWpbwhGY1vy6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(5,091,134)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20220101__20221231_zq4palvMFmT4" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20220101__20221231_zLCwQnOdnst" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20210101__20211231_zQ6YCLsjnlk5" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>23,981,573</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20210101__20211231_z8FsGabqJX3k" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>3.01</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pid_c20200101__20201231_zntFcsUh4As6" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceBefore_iE_pid_c20200101__20201231_zsaar4iSRGMf" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of options due to 6-for-1 forward split</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAIssuanceOfOptions_pid_c20210101__20211231_zr1rDnIuXyhh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Issuance of options due to 6-for-1 forward split"><span style="font-size: 8pt; line-height: 115%">119,907,866</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on December 31</b></span></td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20220101__20221231_zUuPMDfIVGRd" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WeightedAverageSharePrice_iE_pid_c20220101__20221231_zvXTkSPeOkJ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20210101__20211231_zcrELMILR9Nj" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pid_c20210101__20211231_zxDK68AItX93" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pid_c20200101__20201231_ziPPs9k5nCJh" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pid_c20200101__20201231_zh7gUttXoRKf" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31 per share"><span style="font-size: 8pt; line-height: 115%"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Exercisable on December 31</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20221231_zeKlS5WciyAc" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>81,813,095</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePrice1_iI_pid_c20221231_zo7uVVbUm4Mk" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20211231_zp4uYcRVt2wa" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>101,416,310</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageSharePrice1_iI_pid_c20211231_zEhxvzocQHmd" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.33</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pid_c20201231_z3pZFjrdMlSf" style="padding: 2pt; text-align: right; line-height: 115%" title="Exercisable on December 31"><span style="font-size: 8pt; line-height: 115%"><b>30,190,826</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePrice1_iI_pid_c20201231_zI4hFbuUD8xa" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price1"><span style="font-size: 8pt; line-height: 115%"><b>0.56</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 41%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>RSUs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>WAGDFV (US$)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on January 1</b></span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20220101__20221231_zZBZ9qWsyUm2" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iS_pid_c20220101__20221231_zP4MkM4sPyAg" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20210101__20211231_zbI93ZVAZ1S7" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePrice2_iS_pid_c20210101__20211231_zVxCqaVmOWol" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1 per share"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pid_c20200101__20201231_zI0kOTRG6eb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on January 1"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2138">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Granted during the year</span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20220101__20221231_zXC3Hl9zcTBb" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">32,294,522</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageSharePriceGranted2_pid_c20220101__20221231_z3zKMJ5rEyyc" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">5.47</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20210101__20211231_zTHFFhtK4lUg" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">13,103,243</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePriceGranted2_pid_c20210101__20211231_zJhvbOLVeRg2" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">36.65</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pid_c20200101__20201231_zwRT34XwAy68" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year"><span style="font-size: 8pt; line-height: 115%">6,048,335</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceGranted2_pid_c20200101__20201231_z5p8uhPxpLnd" style="padding: 2pt; text-align: right; line-height: 115%" title="Granted during the year per share"><span style="font-size: 8pt; line-height: 115%">10.45</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Vested during the year</span></td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20220101__20221231_zfbJG3u5Ho91" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(27,322,614)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceExercised2_pid_c20220101__20221231_zIHTQ2l764Rj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">3.64</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20210101__20211231_zbSOOmnE2jH4" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(3,092,289)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePriceExercised2_pid_c20210101__20211231_zFVs2Ucn9Jd5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">15.06</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementVested_pid_c20200101__20201231_zGrvjRrJPuCa" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested during the year"><span style="font-size: 8pt; line-height: 115%">(430,680)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePriceExercised2_pid_c20200101__20201231_zPsN7fuknuXc" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price exercised2"><span style="font-size: 8pt; line-height: 115%">10.46</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forfeited during the year</span></td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20220101__20221231_zy5HPk3qswC1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(13,494,950)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20210101__20211231_zvcCH3aYijJ5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(1,817,919)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pid_c20200101__20201231_ztcYxYONbkO3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Forfeited during the year"><span style="font-size: 8pt; line-height: 115%">(323,201)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20220101__20221231_zf4HMhUfv4mc" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20220101__20221231_zbIV99WZvqMa" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20210101__20211231_zvmPEVJYHHBg" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>13,487,489</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20210101__20211231_z6xZuBE9hZxc" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>28.91</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pid_c20200101__20201231_zPZzNuQ5g32l" style="padding: 2pt; text-align: right; line-height: 115%" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore1_iE_pid_c20200101__20201231_zYbYdslw5Os5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price before1"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of RSUs due to 6-for-1 forward split</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAIssuanceOfOneOptions_pid_c20210101__20211231_zg1MWyLWeyB9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Issuance of RSUs due to 6-for-1 forward split"><span style="font-size: 8pt; line-height: 115%">67,437,448</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Outstanding on December 31</b></span></td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20220101__20221231_zzFyDFiK2LKk" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WeightedAverageSharePrice2_iI_pid_c20221231_zYQxGQFrllce" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20210101__20211231_zLAlVgVRqDqc" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iI_pid_c20211231_z67G0g5J3R38" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pid_c20200101__20201231_z4sGpHXwEVR8" style="padding: 2pt; text-align: right; line-height: 115%" title="Outstanding on December 31"><span style="font-size: 8pt; line-height: 115%"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iI_pid_c20201231_zaBKuJkOlEW5" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average share price2"><span style="font-size: 8pt; line-height: 115%"><b>10.47</b></span></td></tr> </table> | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
143889439 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
0.55 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
42515821 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
1.58 | |
| CY2019Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
51034938 | shares |
| CY2019Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
0.91 | |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Granted
WeightedAverageFairValueAtMeasurementGranted
|
1141362 | shares |
| CY2021 | nu |
Weighted Average Share Price Granted
WeightedAverageSharePriceGranted
|
23.75 | |
| CY2020 | nu |
Weighted Average Fair Value At Measurement Granted
WeightedAverageFairValueAtMeasurementGranted
|
3376767 | shares |
| CY2020 | nu |
Weighted Average Share Price Granted
WeightedAverageSharePriceGranted
|
9.92 | |
| CY2022 | nu |
Weighted Average Fair Value At Measurement Exercised
WeightedAverageFairValueAtMeasurementExercised
|
-37095966 | shares |
| CY2022 | nu |
Weighted Average Share Price Exercised
WeightedAverageSharePriceExercised
|
0.12 | |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Exercised
WeightedAverageFairValueAtMeasurementExercised
|
-18822551 | shares |
| CY2021 | nu |
Weighted Average Share Price Exercised
WeightedAverageSharePriceExercised
|
0.38 | |
| CY2020 | nu |
Weighted Average Fair Value At Measurement Exercised
WeightedAverageFairValueAtMeasurementExercised
|
-6804750 | shares |
| CY2020 | nu |
Weighted Average Share Price Exercised
WeightedAverageSharePriceExercised
|
0.24 | |
| CY2022 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-5517146 | shares |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-853059 | shares |
| CY2020 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-5091134 | shares |
| CY2022Q4 | nu |
Weighted Average Fair Value At Measurement Before
WeightedAverageFairValueAtMeasurementBefore
|
101276327 | shares |
| CY2022Q4 | nu |
Weighted Average Share Price Before
WeightedAverageSharePriceBefore
|
0.72 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Before
WeightedAverageFairValueAtMeasurementBefore
|
23981573 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price Before
WeightedAverageSharePriceBefore
|
3.01 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Before
WeightedAverageFairValueAtMeasurementBefore
|
42515821 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price Before
WeightedAverageSharePriceBefore
|
1.58 | |
| CY2021 | nu |
Weighted Average Fair Value A Issuance Of Options
WeightedAverageFairValueAIssuanceOfOptions
|
119907866 | shares |
| CY2022Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
101276327 | shares |
| CY2022Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
0.72 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
143889439 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
0.55 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
42515821 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
1.58 | |
| CY2022Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding1
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1
|
81813095 | shares |
| CY2022Q4 | nu |
Weighted Average Share Price1
WeightedAverageSharePrice1
|
0.55 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding1
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1
|
101416310 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price1
WeightedAverageSharePrice1
|
0.33 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding1
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1
|
30190826 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price1
WeightedAverageSharePrice1
|
0.56 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
80924937 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
4.82 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
5294454 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
10.47 | |
| CY2022 | nu |
Weighted Average Fair Value At Measurement One Granted
WeightedAverageFairValueAtMeasurementOneGranted
|
32294522 | shares |
| CY2022 | nu |
Weighted Average Share Price Granted2
WeightedAverageSharePriceGranted2
|
5.47 | |
| CY2021 | nu |
Weighted Average Fair Value At Measurement One Granted
WeightedAverageFairValueAtMeasurementOneGranted
|
13103243 | shares |
| CY2021 | nu |
Weighted Average Share Price Granted2
WeightedAverageSharePriceGranted2
|
36.65 | |
| CY2020 | nu |
Weighted Average Fair Value At Measurement One Granted
WeightedAverageFairValueAtMeasurementOneGranted
|
6048335 | shares |
| CY2020 | nu |
Weighted Average Share Price Granted2
WeightedAverageSharePriceGranted2
|
10.45 | |
| CY2022 | nu |
Weighted Average Fair Value At Measurement Vested
WeightedAverageFairValueAtMeasurementVested
|
-27322614 | shares |
| CY2022 | nu |
Weighted Average Share Price Exercised2
WeightedAverageSharePriceExercised2
|
3.64 | |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Vested
WeightedAverageFairValueAtMeasurementVested
|
-3092289 | shares |
| CY2021 | nu |
Weighted Average Share Price Exercised2
WeightedAverageSharePriceExercised2
|
15.06 | |
| CY2020 | nu |
Weighted Average Fair Value At Measurement Vested
WeightedAverageFairValueAtMeasurementVested
|
-430680 | shares |
| CY2020 | nu |
Weighted Average Share Price Exercised2
WeightedAverageSharePriceExercised2
|
10.46 | |
| CY2022 | nu |
Weighted Average Fair Value At Measurement One Forfeited
WeightedAverageFairValueAtMeasurementOneForfeited
|
-13494950 | shares |
| CY2021 | nu |
Weighted Average Fair Value At Measurement One Forfeited
WeightedAverageFairValueAtMeasurementOneForfeited
|
-1817919 | shares |
| CY2020 | nu |
Weighted Average Fair Value At Measurement One Forfeited
WeightedAverageFairValueAtMeasurementOneForfeited
|
-323201 | shares |
| CY2022Q4 | nu |
Weighted Average Fair Value At Measurement One Before
WeightedAverageFairValueAtMeasurementOneBefore
|
72401895 | shares |
| CY2022Q4 | nu |
Weighted Average Share Price Before1
WeightedAverageSharePriceBefore1
|
5.46 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement One Before
WeightedAverageFairValueAtMeasurementOneBefore
|
13487489 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price Before1
WeightedAverageSharePriceBefore1
|
28.91 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement One Before
WeightedAverageFairValueAtMeasurementOneBefore
|
5294454 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price Before1
WeightedAverageSharePriceBefore1
|
10.47 | |
| CY2021 | nu |
Weighted Average Fair Value A Issuance Of One Options
WeightedAverageFairValueAIssuanceOfOneOptions
|
67437448 | shares |
| CY2022Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
72401895 | shares |
| CY2022Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
5.46 | |
| CY2021Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
80924937 | shares |
| CY2021Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
4.82 | |
| CY2020Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
5294454 | shares |
| CY2020Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
10.47 | |
| CY2022 | nu |
Sop And Rsu Expenses And Related Corporate And Social Security Taxes Expenses
SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses
|
126167000 | usd |
| CY2021 | nu |
Sop And Rsu Expenses And Related Corporate And Social Security Taxes Expenses
SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses
|
151115000 | usd |
| CY2020 | nu |
Sop And Rsu Expenses And Related Corporate And Social Security Taxes Expenses
SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses
|
42981000 | usd |
| CY2022 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
43116000 | usd |
| CY2021 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
45597000 | usd |
| CY2020 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
4946000 | usd |
| CY2022 | nu |
Awards Expenses And Related Taxes Prior To Cancelation
AwardsExpensesAndRelatedTaxesPriorToCancelation
|
113172000 | usd |
| CY2021 | nu |
Awards Expenses And Related Taxes Prior To Cancelation
AwardsExpensesAndRelatedTaxesPriorToCancelation
|
28733000 | usd |
| CY2020 | nu |
Awards Expenses And Related Taxes Prior To Cancelation
AwardsExpensesAndRelatedTaxesPriorToCancelation
|
8346000 | usd |
| CY2022 | nu |
Fair Value Adjustment Hedge Of Corporate And Social Security Taxes Note18
FairValueAdjustmentHedgeOfCorporateAndSocialSecurityTaxesNote18
|
3995000 | usd |
| CY2022 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
286450000 | usd |
| CY2021 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
225445000 | usd |
| CY2020 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
56273000 | usd |
| CY2022 | nu |
Sharebased Payments Granted Net Of Shares Withheld For Employee Taxes
SharebasedPaymentsGrantedNetOfSharesWithheldForEmployeeTaxes
|
201991000 | usd |
| CY2021 | nu |
Sharebased Payments Granted Net Of Shares Withheld For Employee Taxes
SharebasedPaymentsGrantedNetOfSharesWithheldForEmployeeTaxes
|
139025000 | usd |
| CY2020 | nu |
Sharebased Payments Granted Net Of Shares Withheld For Employee Taxes
SharebasedPaymentsGrantedNetOfSharesWithheldForEmployeeTaxes
|
40861000 | usd |
| CY2022 | nu |
Liability Provision For Taxes Presented As Salaries Allowances And Social Security Contributions
LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions
|
32554000 | usd |
| CY2021 | nu |
Liability Provision For Taxes Presented As Salaries Allowances And Social Security Contributions
LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions
|
61772000 | usd |
| CY2020 | nu |
Liability Provision For Taxes Presented As Salaries Allowances And Social Security Contributions
LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions
|
10334000 | usd |
| CY2022 | nu |
Disclosure Of Presents Additional Information Relating To The Sop Explanatory
DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory_zuuLzkt8b7La" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zoPSGFut7Bc4" style="display: none">The following table presents additional information relating to the SOP characteristics and the valuation model</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 62%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pid_c20221231_zJrVlU4gu2p8" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted"><span style="font-size: 8pt; line-height: 115%">2.58</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pid_c20201231_zPfMsJVIaSja" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted"><span style="font-size: 8pt; line-height: 115%">7.45</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average share fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pid_c20221231_zXzBBBrTXkPj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted1"><span style="font-size: 8pt; line-height: 115%">3.97</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pid_c20201231_z2Qvpsmn6kOd" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted1"><span style="font-size: 8pt; line-height: 115%">10.53</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exercise price of options granted during the year (US$)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueOfOptionGranted11_iI_pid_c20211231_zyVAuEOWoo4b" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted11"><span style="font-size: 8pt; line-height: 115%">3.98</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--WeightedAverageFairValueOfOptionGrantedMinimum_iI_pid_c20201231_zYYZt3H1HU4c" title="Weighted average fair value of option granted minimum">6.70</span> to <span id="xdx_90D_ecustom--WeightedAverageFairValueOfOptionGrantedMaximum_iI_pid_c20201231_zNnfJqwwocr6" title="Weighted average fair value of option granted maximum">10.4</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Expected volatility in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20211231_zO8MBzkFwT0i" title="Weighted average fair value of option granted percentage minimum">72.5</span> and <span id="xdx_90A_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20211231_z6WdHZficSv8" title="Weighted average fair value of option granted percentage maximum">75.0</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20201231_zmKB1YBfH7j5" title="Weighted average fair value of option granted percentage minimum">69.5</span> and <span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20201231_ztJ4xVCorxb3" title="Weighted average fair value of option granted percentage maximum">77.9</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Risk–free interest rate p.y. in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--RiskfreeInterestRateP._iI_pid_dp_c20211231_zYlzS2yDQWE8" title="Risk free interest rate P">0.5</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RiskfreeInterestRatePMinimum_iI_pid_dp_c20201231_zPBXB2PzmY7h" title="Risk free interest rate P minimum">1.3</span> to <span id="xdx_907_ecustom--RiskFreeInterestRatePMaximum_iI_pid_dp_c20201231_zJdkQiCB9js1" title="Risk free interest rate P maximum">1.7</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average share price at the date of exercise of options during the year (US$)</span></td> <td id="xdx_988_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20221231_z1xTEBfK2SH6" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">7.72</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20211231_zvCgqeTpB1zj" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">6.38</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pid_c20201231_z6GEpxNXYkY" style="padding: 2pt; text-align: right; line-height: 115%" title="Weighted average fair value of option granted2"><span style="font-size: 8pt; line-height: 115%">10.6</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Weighted average remaining contractual life of options outstanding at year-end (years)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20220101__20221231_zdEjj3JC9xl8" title="Weighted average remaining contractual life of outstanding share options">4.8</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20210101__20211231_zLXOeCkxJDEh" title="Weighted average remaining contractual life of outstanding share options">5.7</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20200101__20201231_zVSsuxgrBOn8" title="Weighted average remaining contractual life of outstanding share options">6.0</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Range of exercise prices of options outstanding at year end (US$)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Zero to US$ 0.10</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zu9ZSGHYvwK4" title="Range of exercise prices remaining at year end">45.07</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zyG2NVlDsdL8" title="Range of exercise prices remaining at year end">51.96</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zrVgpRSCwqo8" title="Range of exercise prices remaining at year end">68.60</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">US$ 0.11 to US$ 0.50</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zmbUUBWg0T97" title="Range of exercise prices remaining at year end">28.20</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zkEaTpIowtE9" title="Range of exercise prices remaining at year end">28.58</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zmvMEemKi8B2" title="Range of exercise prices remaining at year end">22.20</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">US$ 0.51 to US$ 15.00</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_z6NenIuOVEge" title="Range of exercise prices remaining at year end">26.73</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zoS6juwJGTl6" title="Range of exercise prices remaining at year end">19.46</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20201231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zLEa4rAX8Ede" title="Range of exercise prices remaining at year end">9.20</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Greater than US$ 15.01</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total cash to be received upon exercise of SOPs outstanding at year end</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Vested</span></td> <td id="xdx_983_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20220101__20221231_zQpj1EXUq3e7" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">44,849</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20210101__20211231_zLHsy1Mmp7cg" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">33,437</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pid_c20200101__20201231_zQU33OVvfDxe" style="padding: 2pt; text-align: right; line-height: 115%" title="Vested"><span style="font-size: 8pt; line-height: 115%">16,761</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Unvested</span></td> <td id="xdx_982_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20220101__20221231_zgXPk9gtJEhb" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">28,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20210101__20211231_zZ1HPAjrAULa" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">46,146</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pid_c20200101__20201231_z4iLfSNt2tra" style="padding: 2pt; text-align: right; line-height: 115%" title="Unvested"><span style="font-size: 8pt; line-height: 115%">50,375</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%"><span style="font-weight: normal">(*)</span></td> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%"><span style="font-weight: normal">After the 6-for-1 forward share split.</span></td></tr> </table> | |
| CY2022Q4 | nu |
Weighted Average Fair Value Of Option Granted
WeightedAverageFairValueOfOptionGranted
|
2.58 | |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted
WeightedAverageFairValueOfOptionGranted
|
7.45 | |
| CY2022Q4 | nu |
Weighted Average Fair Value Of Option Granted1
WeightedAverageFairValueOfOptionGranted1
|
3.97 | |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted1
WeightedAverageFairValueOfOptionGranted1
|
10.53 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted11
WeightedAverageFairValueOfOptionGranted11
|
3.98 | |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted Minimum
WeightedAverageFairValueOfOptionGrantedMinimum
|
6.70 | |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted Maximum
WeightedAverageFairValueOfOptionGrantedMaximum
|
10.4 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted Percentage Minimum
WeightedAverageFairValueOfOptionGrantedPercentageMinimum
|
0.725 | pure |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted Percentage Maximum
WeightedAverageFairValueOfOptionGrantedPercentageMaximum
|
0.750 | pure |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted Percentage Minimum
WeightedAverageFairValueOfOptionGrantedPercentageMinimum
|
0.695 | pure |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted Percentage Maximum
WeightedAverageFairValueOfOptionGrantedPercentageMaximum
|
0.779 | pure |
| CY2021Q4 | nu |
Riskfree Interest Rate P.
RiskfreeInterestRateP.
|
0.005 | pure |
| CY2020Q4 | nu |
Riskfree Interest Rate P Minimum
RiskfreeInterestRatePMinimum
|
0.013 | pure |
| CY2020Q4 | nu |
Risk Free Interest Rate P Maximum
RiskFreeInterestRatePMaximum
|
0.017 | pure |
| CY2022Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
7.72 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
6.38 | |
| CY2020Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
10.6 | |
| CY2022 | ifrs-full |
Weighted Average Remaining Contractual Life Of Outstanding Share Options2019
WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019
|
P4Y9M18D | |
| CY2021 | ifrs-full |
Weighted Average Remaining Contractual Life Of Outstanding Share Options2019
WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019
|
P5Y8M12D | |
| CY2020 | ifrs-full |
Weighted Average Remaining Contractual Life Of Outstanding Share Options2019
WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019
|
P6Y | |
| CY2022 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Vested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested
|
44849 | shares |
| CY2021 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Vested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested
|
33437 | shares |
| CY2020 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Vested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested
|
16761 | shares |
| CY2022 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Unvested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested
|
28169 | shares |
| CY2021 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Unvested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested
|
46146 | shares |
| CY2022Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
59519000 | usd |
| CY2021Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
1115805000 | usd |
| CY2020 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Unvested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested
|
50375 | shares |
| CY2022 | nu |
Disclosure Of Presents Additional Information Relating To The Rs Us Explanatory
DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory_z0xMGLwgPeK3" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zp4eqvlXTWi9" style="display: none">The following table presents additional information relating to the RSUs and Awards characteristics and the valuation model</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 75%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Most relevant vesting periods for the grants outstanding</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3 years</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20221231_zcyuKgsm9oPa" title="Most relevant vesting periods for the grants outstanding">53.52</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20211231_zRylf5PAsLyg" title="Most relevant vesting periods for the grants outstanding">49.70</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5 years</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20221231_zkLes6HYjkmk" title="Most relevant vesting periods for grants outstanding1">39.95</span>%</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20211231_z37OjvNGmT5h" title="Most relevant vesting periods for grants outstanding1">44.50</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Volatility (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum_iI_pip0_dp_c20211231_zsYQDcpSHJU1" title="Most relevant vesting periods for grants outstanding minimum">68.0</span> to <span id="xdx_907_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum_iI_pip0_dp_c20211231_zOrGINkThsq5" title="Most relevant vesting periods for grants outstanding maximum">75.0</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Discount for the lack of marketability (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum1_iI_pip0_dp_c20211231_zJhPiYPU52Jf" title="Most relevant vesting periods for grants outstanding minimum1">17.0</span> to <span id="xdx_90D_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum1_iI_pip0_dp_c20211231_zBwHhUYyjpFj" title="Most relevant vesting periods for grants outstanding maximum1">19.0</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Risk free interest rate (%)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMinimum2_iI_pip0_dp_c20211231_zHSTT6W0qLGb" title="Most relevant vesting periods for grants outstanding minimum 2">0.06</span> to <span id="xdx_900_ecustom--MostRelevantVestingPeriodsForGrantsOutstandingMaximum2_iI_pip0_dp_c20211231_zs3urErc20wj" title="Most relevant vesting periods for grants outstanding maximum 2">0.11</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Awards vesting period</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfAwardsVestingPeriod_c20220101__20221231_ztBZ0rmX2XP5" title="Description of awards vesting period">Up to 3.2 years</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfAwardsVestingPeriod_c20210101__20211231_zkNB2CcICvK1" title="Description of awards vesting period">Up to 7.4 years</span></span></td></tr> </table> | |
| CY2022Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding
MostRelevantVestingPeriodsForGrantsOutstanding
|
0.5352 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding
MostRelevantVestingPeriodsForGrantsOutstanding
|
0.4970 | pure |
| CY2022Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding1
MostRelevantVestingPeriodsForGrantsOutstanding1
|
0.3995 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding1
MostRelevantVestingPeriodsForGrantsOutstanding1
|
0.4450 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Minimum
MostRelevantVestingPeriodsForGrantsOutstandingMinimum
|
0.680 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Maximum
MostRelevantVestingPeriodsForGrantsOutstandingMaximum
|
0.750 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Minimum1
MostRelevantVestingPeriodsForGrantsOutstandingMinimum1
|
0.170 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Maximum1
MostRelevantVestingPeriodsForGrantsOutstandingMaximum1
|
0.190 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Minimum2
MostRelevantVestingPeriodsForGrantsOutstandingMinimum2
|
0.0006 | pure |
| CY2021Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding Maximum2
MostRelevantVestingPeriodsForGrantsOutstandingMaximum2
|
0.0011 | pure |
| CY2022 | nu |
Description Of Awards Vesting Period
DescriptionOfAwardsVestingPeriod
|
Up to 3.2 years | |
| CY2021 | nu |
Description Of Awards Vesting Period
DescriptionOfAwardsVestingPeriod
|
Up to 7.4 years | |
| CY2022Q4 | nu |
Oridinary Percentage
OridinaryPercentage
|
0.01 | pure |
| CY2021Q4 | ifrs-full |
Exercise Price Of Outstanding Share Options2019
ExercisePriceOfOutstandingShareOptions2019
|
18.69 | |
| CY2021Q4 | ifrs-full |
Exercise Price Share Options Granted2019
ExercisePriceShareOptionsGranted2019
|
35.30 | |
| CY2022 | nu |
Contingent Share Award Termination
ContingentShareAwardTermination
|
355573000 | usd |
| CY2022Q4 | ifrs-full |
Expense From Continuing Involvement In Derecognised Financial Assets Cumulatively Recognised
ExpenseFromContinuingInvolvementInDerecognisedFinancialAssetsCumulativelyRecognised
|
30043000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Cash And Cash Equivalents Explanatory
DisclosureOfCashAndCashEquivalentsExplanatory
|
<p id="xdx_80B_eifrs-full--DisclosureOfCashAndCashEquivalentsExplanatory_zdK75AqcFbr4" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">11. <span id="xdx_82A_zW7YX09lBUrb">Cash and cash equivalents</span></p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--ScheduleOfCashAndCashEquivalentsTableTextBlock_zTESEBsLt3Ak" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Cash and cash equivalents (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zt8EzuqfT2v4" style="display: none">Schedule of cash and cash equivalents</span></td> <td id="xdx_498_20221231_zbYwNp59LIp9" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_495_20211231" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 71%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_eifrs-full--ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_iI_pn3n3_zlOjqpXYXsw3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Reverse repurchase agreement in foreign currency</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">59,519</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,115,805</span></td></tr> <tr id="xdx_40E_eifrs-full--ShorttermInvestmentsClassifiedAsCashEquivalents_iI_pn3n3_zUXSMVkWd8S9" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Short-term investments</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">153,743</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,412,901</span></td></tr> <tr id="xdx_401_eifrs-full--MandatoryReserveDepositsAtCentralBanks_iI_pn3n3_zc4RNYTOuu4g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Voluntary deposits at central banks</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,451,150</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2353">-</span></span></td></tr> <tr id="xdx_403_eifrs-full--BalancesWithBanks_iI_pn3n3_zZqQRUC3rBZb" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bank balances</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,506,727</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">174,142</span></td></tr> <tr id="xdx_401_eifrs-full--OtherCashAndCashEquivalents_iI_pn3n3_zmRkkXfHIMU7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other cash and cash equivalents</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,177</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,827</span></td></tr> <tr id="xdx_409_eifrs-full--CashAndCashEquivalents_iI_pn3n3_z683U1TwVjf1" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,172,316</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,705,675</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Cash and cash equivalents are held to meet short-term cash needs and include deposits with banks and other short-term highly liquid investments with original maturities of three-months or less and with an immaterial risk of change in value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The reverse repurchase agreements and short-term investments are mainly in Brazilian Reais, and the average rate of remuneration as of December 31, 2022 and 2021, is 99% and 98.7% of the Brazilian CDI rate, which is set daily and represents the average rate at which Brazilian banks were willing to borrow/lend to each other for one day.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Voluntary deposits at central banks are deposits made by the subsidiary Nu Financeira at the Brazilian Central Bank and are considered as cash and cash equivalents as they mature in one business day.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
153743000 | usd |
| CY2021Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
1412901000 | usd |
| CY2022Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
2451150000 | usd |
| CY2022Q4 | ifrs-full |
Balances With Banks
BalancesWithBanks
|
1506727000 | usd |
| CY2021Q4 | ifrs-full |
Balances With Banks
BalancesWithBanks
|
174142000 | usd |
| CY2022Q4 | ifrs-full |
Other Cash And Cash Equivalents
OtherCashAndCashEquivalents
|
1177000 | usd |
| CY2021Q4 | ifrs-full |
Other Cash And Cash Equivalents
OtherCashAndCashEquivalents
|
2827000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2022 | nu |
Disclosure Of Reclassification Of Financial Instruments Securities Explanatory
DisclosureOfReclassificationOfFinancialInstrumentsSecuritiesExplanatory
|
<p id="xdx_80A_ecustom--DisclosureOfReclassificationOfFinancialInstrumentsSecuritiesExplanatory_zDEwbTfg0wC9" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">12. <span id="xdx_82C_zel2hMqVJvuj">Securities</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Financial instruments at fair value through profit and loss ("FVTPL")</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eifrs-full--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory_zGkGhGtLphg6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BE_zhLxL7Ry8qCc" style="display: none">Financial instruments at FVTPL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="11" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Breakdown by maturity</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 27%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Cost</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>No maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Government bonds (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zJ03aGzOmlXe" title="Description of maturity date">03/27</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zp2YK4k1mcY2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">159</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z7FHGCLnyRk6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">163</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z1oqKZeHlCxh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">163</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zta7WAIYIxxe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">571,753</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zN0EWxuvANfd" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>159</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zkcEFfCTOVa2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>163</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zRAH437L0Wjk" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>163</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zObuulXQdrR4" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>571,753</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bill of credit (LC)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember" title="Description of maturity date">10/22 - 02/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">14</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Certificate of bank deposits (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember" title="Description of maturity date">10/22 - 02/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">3,765</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">3,712</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">2,990</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">722</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zVkZEFwIX4Yh" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">81,810</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness letter of credit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember" title="Description of maturity date">10/22 - 07/26</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">1,196</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">1,197</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">668</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">529</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zfj05GbtFuwl" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">1,508</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember" title="Description of maturity date">01/23 - 05/44</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">46,896</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">46,680</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">46,680</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_ztdWM9yS86qh" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">120,859</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity instrument (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____zgNtC0YmHkEd" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">12,483</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____zmvRDTVPD8Ye" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____z7qmQK09f0P8" style="padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____z0MydxwgrPfi" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">30,735</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment funds</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--InvestmentFunds1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">9,125</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stocks issued by public-held company</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--StocksIssuedByPublicHeldCompanyMember_z5hHLhOHUjv6" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">158</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z3eIjZKHM1u4" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z7Rhszqwq0E5" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zcZJ9wLbs0F9" style="padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z1w3Oq1bGGgf" title="Description of maturity date">01/23 - 08/37</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zUn9GCMyAFNb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">17,352</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zunJzmFPaUhe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">16,976</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zpJhFDIEC1Ie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">21</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueOver12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zE1cZeEldOfe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">16,955</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>82,735</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,690</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%"><b>22,987</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>3,817</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>64,886</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>244,209</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>82,894</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,853</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueNoMaturity1_pn3n3_c20220101__20221231_zCfwrl26tnY6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%"><b>22,987</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueUpto12Months_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>3,980</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueOver12Months_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>64,886</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_c20210101__20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>815,962</b></span></td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 45%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Currency:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_zalpdlKcauqc" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">334,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_znV8a7G0jnKl" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">63,401</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--BrazilianReaisMember_zOUL7bouQzVa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">3,718,139</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--BrazilianReaisMember_zsZJsREKZUu" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">666,835</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zl64eoIz9i31" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">6,370</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_z9zHLIANRdz" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">6,370</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zy1sD9zVTWok" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">118,392</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zUdchO3KOGl5" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">118,392</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjXuwLUr6ZT3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,826,954</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zxt8S0bckM95" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_zXd3JWhxawB5" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">2,364,231</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_ztegPSADO6Rk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">30,735</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_znUtXbfnZuCi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,853</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231_zFWWBLg2qjp4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>815,962</b></span></td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F02_zX44GVuUl58j" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F11_zzRfRzruJT4g" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Government bonds are mainly composed of Financial Treasury Bills ("LFTs") and National Treasury Bills ("LTNs"), which had an average return of <span id="xdx_903_ecustom--AverageReturnPercentage_pip0_dp_c20220101__20221231_zWGFJZdes1c3" title="Average return percentage">101.69</span>% of CDI in the year ended December 31, 2022 (<span id="xdx_903_ecustom--AverageReturnPercentage_pip0_dp_c20210101__20211231_zs5SiMFMlU4g" title="Average return percentage">106.3</span>% during 2021) and are classified as level 1 in the fair value hierarchy, as described in note 26.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zvwBnI9ezio1" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F1A_zhQ12DhRiLg" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Refers to an investment in Jupiter, a neobank for consumers in India, and an investment in Din Global ("dBank"), a Pakistani fintech company. As of December 31, 2022, the total fair value of these investments corresponded to US$22,082 (US$30,735 on December 31, 2021), classified as level 3 in the fair value hierarchy, as described in note 26.</td></tr> </table> <p id="xdx_8A6_zihWdVeYWL6k" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify">b) Financial instruments at fair value to other comprehensive income ("FVTOCI")</p> <table cellpadding="0" cellspacing="0" id="xdx_894_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory1_zm6b1kmxf8y9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_z7j8Aly14QT9" style="display: none">Financial instruments at FVTOCI</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 27%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Cost</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>No maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Government bonds (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zSSABoQBz1f1" title="Description of Maturity">03/23 - 09/28</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zb7jffECfTng" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">8,214,332</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zjS9tgTLORD2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">8,222,115</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zuMEWschDk6j" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">2,593,462</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zmhROHEYbGWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">5,628,653</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zVvwjvnxDHQi" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">6,074,435</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">United States of America</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_znyF5IUBfFsd" title="Description of Maturity">12/22 - 08/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_znFp5soEwEm5" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">175,182</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zpQCtSyJVGi8" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">171,184</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zwouVcn3cS15" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">171,184</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zorp7uuWXp" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">830,124</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Colombia</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsColombiaMember_fKGkp_z8BS3d7HZOA7" title="Description of Maturity">02/24</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsColombiaMember_fKGkp_zbaQCZOkq5k4" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">504</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Mexico</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zPVDvVOeYoKb" title="Description of Maturity">01/26</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zrVCwgcOU0N8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">1,509</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_z2o4WRGR4QC2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zx7HaVWeFUPg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zaziCtnAF0a5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>8,391,023</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_z8QYEYcyJuvd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,394,681</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zN9Xhz5ZnDpi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>2,593,462</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zOvVTlBDgT0a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>5,801,219</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zPMQG1sXJRRg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>6,905,063</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember" title="Description of Maturity">01/23 - 10/70</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">810,744</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">788,948</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FairValueUpto12Months1_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">105,581</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">683,367</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zH6osKnHFYY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">924</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment funds</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zrrAte54dp1i" title="Description of Maturity">03/24</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">302,779</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">302,779</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zhLVd7XtEwak" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%">35,527</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">267,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zdYbKoktkq63" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">137,759</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember" title="Description of Maturity">01/23 - 06/23</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">446,540</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">445,531</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_z4fwRPXQNe86" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">445,531</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zKmV1ajfsmBf" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">1,119,682</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zTnNpSkPlYK4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">15,198</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zIknNF0Yn7bh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">15,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FairValueOver12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zw3snI8IKZKe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">15,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total corporate bonds and other instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>1,575,261</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z07yW42W9OFk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>1,552,457</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z67LM1pSP4n9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><b>35,527</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z8LGhTH46Bg8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>551,112</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>965,818</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zUUA2PSUsxd3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>1,258,365</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>9,966,284</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231_zElyqzMYwYsb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><b>35,527</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231_zrYTx7M5iJP9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>3,144,574</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>6,767,037</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231_zG2uOmspywei" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,163,428</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><span style="font-weight: normal"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 45%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Currency:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zT88pRtFzwVb" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">45,527,868</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zrrqqxtaRjo8" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">8,622,049</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--BRL_zjg6kxKA40E2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">34,643,103</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--BRL_zIUiUuMPglCk" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">6,213,118</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zDN6p1YVAQGj" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zBLaoSzUuqwd" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--USD_z8uq4AXv3fm4" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">1,949,806</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--USD_zCcaE47w3EMa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,949,806</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zhshauxGg6ze" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">26,949</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zh2K9fgRlC75" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_z4JNxwPvpRea" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">10,347</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_zskuLpYmonn2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">504</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z1lCWZnW8w1d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231_z1N8gAx0tth" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,163,428</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt"> <tr style="vertical-align: top"> <td id="xdx_F03_ze5fxrcB549d" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F10_zbVqinaDOP0l" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Includes US$2,252,464 (US$2,082,519 on December 31, 2021) held by the subsidiaries for regulatory purposes, as required by the Brazilian Central Bank. It also includes Brazilian government securities margins pledged by the Group for transactions on the Brazilian stock exchange in the amount of US$160,485 (US$116,254 on December 31, 2021). Government bonds are classified as Level 1 in the fair value hierarchy, as described in note 26.</td></tr> </table> <p id="xdx_8A0_zYhpYKnkcSB8" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 0; text-align: justify"> </p> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Recognising Difference Between Fair Value At Initial Recognition And Amount Determined Using Valuation Technique Explanatory
DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory
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<table cellpadding="0" cellspacing="0" id="xdx_89E_eifrs-full--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory_zGkGhGtLphg6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BE_zhLxL7Ry8qCc" style="display: none">Financial instruments at FVTPL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="11" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Breakdown by maturity</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 27%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Cost</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>No maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Government bonds (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zJ03aGzOmlXe" title="Description of maturity date">03/27</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zp2YK4k1mcY2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">159</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z7FHGCLnyRk6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">163</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z1oqKZeHlCxh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">163</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zta7WAIYIxxe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">571,753</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zN0EWxuvANfd" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>159</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zkcEFfCTOVa2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>163</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zRAH437L0Wjk" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>163</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zObuulXQdrR4" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>571,753</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bill of credit (LC)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember" title="Description of maturity date">10/22 - 02/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsBillOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">14</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Certificate of bank deposits (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember" title="Description of maturity date">10/22 - 02/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">3,765</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">3,712</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">2,990</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">722</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zVkZEFwIX4Yh" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">81,810</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness letter of credit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember" title="Description of maturity date">10/22 - 07/26</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">1,196</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">1,197</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">668</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">529</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zfj05GbtFuwl" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">1,508</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember" title="Description of maturity date">01/23 - 05/44</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">46,896</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">46,680</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">46,680</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_ztdWM9yS86qh" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">120,859</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity instrument (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____zgNtC0YmHkEd" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">12,483</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____zmvRDTVPD8Ye" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____z7qmQK09f0P8" style="padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_fKGlpKQ_____z0MydxwgrPfi" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">30,735</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment funds</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--InvestmentFunds1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">9,125</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stocks issued by public-held company</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--StocksIssuedByPublicHeldCompanyMember_z5hHLhOHUjv6" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">158</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z3eIjZKHM1u4" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z7Rhszqwq0E5" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zcZJ9wLbs0F9" style="padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%">905</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z1w3Oq1bGGgf" title="Description of maturity date">01/23 - 08/37</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zUn9GCMyAFNb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">17,352</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zunJzmFPaUhe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%">16,976</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zpJhFDIEC1Ie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%">21</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueOver12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zE1cZeEldOfe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">16,955</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>82,735</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,690</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%"><b>22,987</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FairValueUpto12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>3,817</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>64,886</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>244,209</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>82,894</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,853</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueNoMaturity1_pn3n3_c20220101__20221231_zCfwrl26tnY6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="No maturity"><span style="font-size: 8pt; line-height: 115%"><b>22,987</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueUpto12Months_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Upto12 Months"><span style="font-size: 8pt; line-height: 115%"><b>3,980</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FairValueOver12Months_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>64,886</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_c20210101__20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>815,962</b></span></td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 45%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Currency:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_zalpdlKcauqc" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">334,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_znV8a7G0jnKl" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">63,401</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--BrazilianReaisMember_zOUL7bouQzVa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">3,718,139</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--BrazilianReaisMember_zsZJsREKZUu" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">666,835</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zl64eoIz9i31" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">6,370</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_z9zHLIANRdz" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">6,370</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zy1sD9zVTWok" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">118,392</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zUdchO3KOGl5" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">118,392</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjXuwLUr6ZT3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,826,954</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zxt8S0bckM95" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">22,082</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_zXd3JWhxawB5" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">2,364,231</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_ztegPSADO6Rk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value US"><span style="font-size: 8pt; line-height: 115%">30,735</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_znUtXbfnZuCi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>91,853</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231_zFWWBLg2qjp4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value 1"><span style="font-size: 8pt; line-height: 115%"><b>815,962</b></span></td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F02_zX44GVuUl58j" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F11_zzRfRzruJT4g" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Government bonds are mainly composed of Financial Treasury Bills ("LFTs") and National Treasury Bills ("LTNs"), which had an average return of <span id="xdx_903_ecustom--AverageReturnPercentage_pip0_dp_c20220101__20221231_zWGFJZdes1c3" title="Average return percentage">101.69</span>% of CDI in the year ended December 31, 2022 (<span id="xdx_903_ecustom--AverageReturnPercentage_pip0_dp_c20210101__20211231_zs5SiMFMlU4g" title="Average return percentage">106.3</span>% during 2021) and are classified as level 1 in the fair value hierarchy, as described in note 26.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zvwBnI9ezio1" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F1A_zhQ12DhRiLg" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Refers to an investment in Jupiter, a neobank for consumers in India, and an investment in Din Global ("dBank"), a Pakistani fintech company. As of December 31, 2022, the total fair value of these investments corresponded to US$22,082 (US$30,735 on December 31, 2021), classified as level 3 in the fair value hierarchy, as described in note 26.</td></tr> </table> | |
| CY2022 | nu |
Financial Instruments Cost
FinancialInstrumentsCost
|
82894000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
91853000 | usd |
| CY2022 | nu |
Fair Value No Maturity1
FairValueNoMaturity1
|
22987000 | usd |
| CY2022 | nu |
Fair Value Upto12 Months
FairValueUpto12Months
|
3980000 | usd |
| CY2022 | nu |
Fair Value Over12 Months
FairValueOver12Months
|
64886000 | usd |
| CY2021 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
815962000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
91853000 | usd |
| CY2021 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
815962000 | usd |
| CY2022 | nu |
Average Return Percentage
AverageReturnPercentage
|
1.0169 | pure |
| CY2021 | nu |
Average Return Percentage
AverageReturnPercentage
|
1.063 | pure |
| CY2022 | nu |
Description Of Accounting Policy For Recognising Difference Between Fair Value At Initial Recognition And Amount Determined Using Valuation Technique Explanatory1
DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory1
|
<table cellpadding="0" cellspacing="0" id="xdx_894_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory1_zm6b1kmxf8y9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_z7j8Aly14QT9" style="display: none">Financial instruments at FVTOCI</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 27%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Cost</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>No maturity</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair Value</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Government bonds (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zSSABoQBz1f1" title="Description of Maturity">03/23 - 09/28</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zb7jffECfTng" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">8,214,332</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zjS9tgTLORD2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">8,222,115</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zuMEWschDk6j" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">2,593,462</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zmhROHEYbGWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">5,628,653</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_fKGkp_zVvwjvnxDHQi" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">6,074,435</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">United States of America</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_znyF5IUBfFsd" title="Description of Maturity">12/22 - 08/25</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_znFp5soEwEm5" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">175,182</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zpQCtSyJVGi8" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">171,184</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zwouVcn3cS15" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">171,184</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_fKGkp_zorp7uuWXp" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">830,124</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Colombia</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsColombiaMember_fKGkp_z8BS3d7HZOA7" title="Description of Maturity">02/24</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsColombiaMember_fKGkp_zbaQCZOkq5k4" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">504</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Mexico</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zPVDvVOeYoKb" title="Description of Maturity">01/26</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zrVCwgcOU0N8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">1,509</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_z2o4WRGR4QC2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_fKGkp_zx7HaVWeFUPg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zaziCtnAF0a5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>8,391,023</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_z8QYEYcyJuvd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,394,681</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zN9Xhz5ZnDpi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>2,593,462</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FairValueOver12Months1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zOvVTlBDgT0a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>5,801,219</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_fKGkp_zPMQG1sXJRRg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>6,905,063</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember" title="Description of Maturity">01/23 - 10/70</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">810,744</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">788,948</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FairValueUpto12Months1_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">105,581</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">683,367</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zH6osKnHFYY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">924</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Investment funds</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zrrAte54dp1i" title="Description of Maturity">03/24</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">302,779</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">302,779</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zhLVd7XtEwak" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%">35,527</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">267,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zdYbKoktkq63" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">137,759</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--DescriptionOfInstrumentsMaturityDate_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember" title="Description of Maturity">01/23 - 06/23</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">446,540</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">445,531</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_z4fwRPXQNe86" style="padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%">445,531</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zKmV1ajfsmBf" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">1,119,682</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zTnNpSkPlYK4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">15,198</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zIknNF0Yn7bh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%">15,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FairValueOver12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zw3snI8IKZKe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%">15,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total corporate bonds and other instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>1,575,261</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z07yW42W9OFk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>1,552,457</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z67LM1pSP4n9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><b>35,527</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueUpto12Months_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z8LGhTH46Bg8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>551,112</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FairValueOver12Months_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>965,818</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20210101__20211231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zUUA2PSUsxd3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>1,258,365</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%"><b>9,966,284</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FairValueNoMaturity_pn3n3_c20220101__20221231_zElyqzMYwYsb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><b>35,527</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FairValueUpto12Months1_pn3n3_c20220101__20221231_zrYTx7M5iJP9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>3,144,574</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_c20220101__20221231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b>6,767,037</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231_zG2uOmspywei" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,163,428</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><span style="font-weight: normal"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 45%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Currency:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zT88pRtFzwVb" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">45,527,868</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zrrqqxtaRjo8" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">8,622,049</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--BRL_zjg6kxKA40E2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">34,643,103</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--BRL_zIUiUuMPglCk" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">6,213,118</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zDN6p1YVAQGj" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zBLaoSzUuqwd" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--USD_z8uq4AXv3fm4" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">1,949,806</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__currency--USD_zCcaE47w3EMa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,949,806</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zhshauxGg6ze" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">26,949</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zh2K9fgRlC75" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">1,382</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_z4JNxwPvpRea" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency1"><span style="font-size: 8pt; line-height: 115%">10,347</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20210101__20211231__srt--CurrencyAxis__custom--OthersMember_zskuLpYmonn2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial Instruments Fair Value US1"><span style="font-size: 8pt; line-height: 115%">504</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z1lCWZnW8w1d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20210101__20211231_z1N8gAx0tth" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair Value"><span style="font-size: 8pt; line-height: 115%"><b>8,163,428</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt"> <tr style="vertical-align: top"> <td id="xdx_F03_ze5fxrcB549d" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F10_zbVqinaDOP0l" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Includes US$2,252,464 (US$2,082,519 on December 31, 2021) held by the subsidiaries for regulatory purposes, as required by the Brazilian Central Bank. It also includes Brazilian government securities margins pledged by the Group for transactions on the Brazilian stock exchange in the amount of US$160,485 (US$116,254 on December 31, 2021). Government bonds are classified as Level 1 in the fair value hierarchy, as described in note 26.</td></tr> </table> | |
| CY2022 | nu |
Financial Instruments Cost1
FinancialInstrumentsCost1
|
9966284000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
9947138000 | usd |
| CY2022 | nu |
Fair Value No Maturity
FairValueNoMaturity
|
35527000 | usd |
| CY2022 | nu |
Fair Value Upto12 Months1
FairValueUpto12Months1
|
3144574000 | usd |
| CY2022 | nu |
Fair Value Over12 Months1
FairValueOver12Months1
|
6767037000 | usd |
| CY2021 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
8163428000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
9947138000 | usd |
| CY2021 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
8163428000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Credit Risk Explanatory
DisclosureOfCreditRiskExplanatory
|
<p id="xdx_800_eifrs-full--DisclosureOfCreditRiskExplanatory_z4wEjZwBeRc3" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">13. <span id="xdx_822_zdSTVJehhSAh">Credit card receivables</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Composition of receivables</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_eifrs-full--DisclosureOfCompositionOfGroupExplanatory_z1tSYIUjrBij" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zzJ5SkPLsh46" style="display: none">Composition of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20221231_zsxX3io6M4L3" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20211231_z9EBmb6S23x6" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 66%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_405_eifrs-full--TradeAndOtherCurrentReceivables_iI_pn3n3_zLFJrCMipbAb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - current <span id="xdx_F4F_z1vJKmHggbc3">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,236,235</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,341,492</span></td></tr> <tr id="xdx_40B_ecustom--ReceivablesInstallmentsI_iI_pn3n3_zYJAIiuTmdK7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - installments <span id="xdx_F47_zv4jsrbzoU9e">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,259,979</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,483,647</span></td></tr> <tr id="xdx_409_ecustom--ReceivablesRevolvingIi_iI_pn3n3_zhh4nbIJtBq6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - revolving <span id="xdx_F4C_znwEPxns53v8">(ii)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">770,011</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">337,014</span></td></tr> <tr id="xdx_408_eifrs-full--TradeAndOtherReceivables_iI_pn3n3_z1vUwBX08Hrj" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr id="xdx_40A_ecustom--FairValueAdjustmentPortfolioHedge_iI_pn3n3_zh8mFG7wJpFi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value adjustment - portfolio hedge (note 18)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(51)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2672">-</span></span></td></tr> <tr id="xdx_40A_ecustom--Total_iI_pn3n3_zJua9l4Ki4Ee" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,266,174</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--CreditCardEclAllowanceAbstract_iB_zppsmGtScWid" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit card ECL allowance</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--PresentedAsDeductionOfReceivables_iI_pn3n3_zWHu0Zkhngcd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as deduction of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,033,102)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(381,633)</span></td></tr> <tr id="xdx_40D_ecustom--PresentedAsOtherLiabilities_iI_pn3n3_zr9IUssGDo6f" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as "Other liabilities"</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(17,566)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(9,046)</span></td></tr> <tr id="xdx_408_ecustom--TotalCreditCardEclAllowance_iI_pn3n3_zAV9uNhwdUF9" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total credit card ECL allowance</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,050,668)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(390,679)</b></span></td></tr> <tr id="xdx_40C_ecustom--ReceivablesNet_iI_pn3n3_zyT9t7v8upd8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables, net</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,215,506</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,771,474</b></span></td></tr> <tr id="xdx_40E_ecustom--TotalReceivablesPresentedAsAssets_iI_pn3n3_z6FnRL3y8fN5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables presented as assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,233,072</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,780,520</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F06_zs0BWs141z9e" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F12_zSXFeaAmQgki" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Receivables - current" is related to purchases made by customers due on the next credit card billing date, and pix financing in one installment. "Receivables - installments" is related to purchases in installments which are financed by the merchant. Cardholder's purchase is paid in up to 12, 24 and 36 in Brazil, Mexico and Colombia, respectively, in monthly installments on purchases in installments. Cardholder's credit limit is reduced whenever there is a transaction by the customer. The Group makes the corresponding payments to the credit card network (see note 21) following a similar schedule. As receipts and payments are aligned, the Group does not incur significant financing costs with this product, however it is exposed to the credit risk of the cardholder as it is obliged to make the payments to the credit card network even if the cardholder does not pay. "Receivables - installments" also includes the amounts of credit card bills not fully paid by the customers and that have been converted into payments in installments with a fixed interest rate (<i>fatura parcelada</i>), in addition to bill financing.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zRhwmiC81YWh" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F14_zNMJPzV9Uozh" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Receivables - revolving" is related to the amounts due from customers that have not paid in full their credit card bill. Customers may request to convert these receivables into loans to be paid in installments. In accordance with Brazilian regulation, revolving balances that are outstanding for more than 2 months are mandatorily converted into <i>fatura parcelada</i> - a type of installment loan which is settled through the customer's monthly credit card bills<span style="color: #1D1C1D; background-color: white">.</span></td></tr> </table> <p id="xdx_8A0_ztzYRRzNZPY7" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="color: #1D1C1D; background-color: white"> </span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Breakdown by maturity</p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfBreakdownByMaturity_zOCFZ5tqPVP9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 1)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zVNdL91Ulv7e" style="display: none">Breakdown by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments not overdue due in:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><= 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zRPw6y6s2uR9" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">4,036,414</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zHuTp0J8GX1l" title="Total not overdue %">43.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zH6jOi0oXihl" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">2,401,149</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zVXNQyJfNFLa" title="Total not overdue %">46.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zcQuju45z6Z" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">1,604,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zKKPQX1ftSog" title="Total not overdue %">17.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zHf807LY0rh2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">904,864</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z20P1uqMQTHe" title="Total not overdue %">17.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">> 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zrzLD2TV00J7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">2,823,966</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zinwdqJeWdwf" title="Total not overdue %">30.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zw327z81y3tb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">1,579,010</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z9dolU6BQvK9" title="Total not overdue %">30.6</span>%</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total not overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zjfyAqzGXPK5" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>8,464,436</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zspzF9pGX5h7" title="Total not overdue %">91.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_z0tkRi37YH18" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>4,885,023</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zVbEuXiTts5j" title="Total not overdue %">94.6</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments overdue by:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><= 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">237,531</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zbLwoC2CCz32" title="Total not overdue %">2.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zItWyyiTYB44" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">77,527</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_z7h4wYWlouBg" title="Total not overdue %">1.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">91,604</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zzuMLqikwlEi" title="Total not overdue %">1.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zxAYbncKefc3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">34,476</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zCvBKprl6O5d" title="Total not overdue %">0.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">74,917</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zV9hE4h70Yp" title="Total not overdue %">0.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zV0nIzyBBJm2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">26,747</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_ztZaaLTgNOZi" title="Total not overdue %">0.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">> 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">397,737</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z7t6iwnoobc6" title="Total not overdue %">4.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zeg333aflbri" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">138,380</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z0e8XJV2Pxw8" title="Total not overdue %">2.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zhW5awEhWtxa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>801,789</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zI1SROMhhUz7" title="Total not overdue %">8.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zkM2Vjlkxc5g" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>277,130</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zWO4yTmGZNt2" title="Total not overdue %">5.4</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--Borrowings2_iI_pn3n3_c20221231_z9Gl9hlUCmc5" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20221231_zrROA2S0wolj" title="Total %">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--Borrowings2_iI_pn3n3_c20211231_ziMCesFcR0Gg" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20211231_z2SDZKc4LWV4" title="Total %">100.0</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Overdue installments consist mainly of revolving balances, and not overdue installments consist mainly of current receivables and future bill installments (<i>parcelado</i>).</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Credit loss allowance - by stages</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, the credit card ECL allowance totaled US$1,050,668 (US$390,679 as of December 31, 2021). The provision is provided by a model estimation, consistently applied, which is sensitive to the methods, assumptions, and risk parameters underlying its calculation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The amount that the credit loss allowance represents in comparison to the Group’s gross receivables coverage ratio is also monitored, to anticipate trends that could indicate credit risk increases. This metric is considered a key risk indicator and it is monitored across multiple committees, supporting the decision-making process and is discussed in the credit forums.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">All receivables are classified through stages, as described in note 4(a).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The majority of the Group's credit card portfolio was classified as stage 1, followed by stages 2 and 3, respectively as of December 31, 2022 and December 31, 2021. The proportion of stage 3 exposures increased to <span id="xdx_90A_eifrs-full--ExpectedCreditLossRate_iI_pip0_dp_c20221231_zHoch4w1DcIl" title="Credit percentage">6.5</span>% on December 31, 2022 from <span id="xdx_90E_eifrs-full--ExpectedCreditLossRate_iI_pip0_dp_c20211231_z5Fqf9Cvi3na" title="Credit percentage">3.8</span>% on December 31, 2021. The stage 3 movement is due to the gradual risk normalization of the growing portfolio and credit expansions done in the past, along with a more challenging economic environment.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--DisclosureOfCreditExposuresUsingExternalCreditGradingSystemExplanatory_zfKFxWQ6Bro7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zbLoktVlXYz5" style="display: none"> Schedule of majority of the Group's credit card portfolio being classified as stage 1, followed by stages 2 and 3, respectively</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 32%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>7,750,270</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zb8veD8esxNh" title="Gross exposures (percent)">83.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zbZy3G79Sa7k" title="Loss allowance (percent)">30.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_z3PWF0GmGVEl" title="Coverage ratio">4.2</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>917,178</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zBR8rHwUhQWk" title="Gross exposures (percent)">9.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zJZnWIoe91ql" title="Loss allowance (percent)">24.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znF5RaRnC0La" title="Coverage ratio">27.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">215,209</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zlcCQn1HMUgl" title="Gross exposures (percent)">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">140,167</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zPRt9Qyko4mi" title="Loss allowance (percent)">55.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zmnvN8YThOTc" title="Coverage ratio">65.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">701,969</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_ziO81spkxlj2" title="Gross exposures (percent)">76.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">114,014</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zWZ54P6xWwC2" title="Loss allowance (percent)">44.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zBqJJ2Pnci3d" title="Coverage ratio">16.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>598,777</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zflvAFeCGUFh" title="Gross exposures (percent)">6.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zlADp4NsVoS7" title="Loss allowance (percent)">45.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zDI11WkGR5Bl" title="Coverage ratio">79.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposures_iI_pn3n3_c20221231_zwEGSI2KX82b" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231_znoxFCID4DYl" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_iI_pn3n3_c20221231_zxmjR5dmR6Ya" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20221231_zzcHVqr9i039" title="Loss allowance (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CoverageRatioPercentage_iI_dp_c20221231_z54MJy4aRKPd" title="Coverage ratio">11.3</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zuCsk1tw6sde" title="Gross exposures (percent)">87.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zdrk7nDnNSMi" title="Loss allowance (percent)">32.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zCqZZGqVgKPj" title="Coverage ratio">2.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_zubCbI42ilj4" title="Gross exposures (percent)">8.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_z72gTSDP02el" title="Loss allowance (percent)">32.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_z3DSNTeZ6K4b" title="Coverage ratio">28.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">131,409</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zhnSYAyHO1Z" title="Gross exposures (percent)">29.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">61,844</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_z4RNIZWrdGuh" title="Loss allowance (percent)">48.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zj6gLDesY86" title="Coverage ratio">47.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">308,696</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zki9R3GhJRS5" title="Gross exposures (percent)">70.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">64,548</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_z1KSjbIivDBg" title="Loss allowance (percent)">51.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zDq9Kwwmm3af" title="Coverage ratio">20.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zKagNAvJyzd9" title="Gross exposures (percent)">3.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zwWpbhEVvPZe" title="Loss allowance (percent)">35.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zT59pYcekcCe" title="Coverage ratio">69.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposures_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231_z3RWohNV0nv5" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20211231_zwng4p1PYP01" title="Loss allowance (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20211231_zyn3Md3NQ5df" title="Coverage ratio">7.6</span>%</b></span></td></tr> </table> <p id="xdx_8A0_zst6WwehVYWl" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Credit loss allowance - by credit quality vs. stages</p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--DisclosureCreditAllowanceExplanatory_z6HoJ5rKlzW7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zrDpYVjQtO6a" style="display: none">Schedule of Credit loss allowance by credit quality</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>6,097,909</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zO2v4y0tALXg" title="Credit exposure ratio">65.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>113,780</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zTSoCIXIsfqg" title="Credit loss ratio">10.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zg1tvJUvu1x2" title="Coverage ratio">1.9</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">6,081,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxArPqj5InO4" title="Credit exposure ratio">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">113,525</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zx99sFVAAjD" title="Credit loss ratio">99.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8CE1iTnmxDh" title="Coverage ratio">1.9</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">16,358</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCHaRkn67DDf" title="Credit exposure ratio">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">255</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziZNJjFhGk89" title="Credit loss ratio">0.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRAxXr4x1A74" title="Coverage ratio">1.6</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,477,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zKIEBHrepdmg" title="Credit exposure ratio">15.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>118,825</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_ziG4sfqmLfjg" title="Credit loss ratio">11.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zhNM2Mtu8gYd" title="Coverage ratio">8.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">1,227,610</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSyv4Aelz8v6" title="Credit exposure ratio">83.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">100,190</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zopvlzYkVhA7" title="Credit loss ratio">84.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z2Wk12LtYKi2" title="Coverage ratio">8.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">249,804</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7ZjdATG4KDg" title="Credit exposure ratio">16.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">18,635</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWl8rFNaLkW1" title="Credit loss ratio">15.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjgzpWw3prf7" title="Coverage ratio">7.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,690,902</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zRcOlyF3KaP1" title="Credit exposure ratio">18.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>818,063</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zGoTRgCn2iL8" title="Credit loss ratio">78.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zNCt3dvqkkfk" title="Coverage ratio">48.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">441,109</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zRnt25cm7nb9" title="Credit exposure ratio">26.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">109,255</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0KKEc3WIeaj" title="Credit loss ratio">13.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5LOhQatj7Uh" title="Coverage ratio">24.8</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">651,016</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zw7W9S7ruUrf" title="Credit exposure ratio">38.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">235,291</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpc8tTiNg1K7" title="Credit loss ratio">28.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztgBqTJ9G9zl" title="Coverage ratio">36.1</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">598,777</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zyTW3pXXgGG1" title="Credit exposure ratio">35.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageThreeMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">473,517</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzRG6ht0IrDk" title="Credit loss ratio">57.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmfmzPxb1slj" title="Coverage ratio">79.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z8310lZNUk2" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z54Z1Q0vYVO8" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zLE4eLTPr5E7" title="Coverage ratio">11.3</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>3,755,666</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_z6pKRUl2cj3g" title="Credit exposure ratio">72.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zNWokmJuLBjh" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>40,480</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zU9GzXMPbWn4" title="Credit loss ratio">10.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zI9C0b1KZxFi" title="Coverage ratio">1.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">3,754,626</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zYWuLJEI0Wmf" title="Credit exposure ratio">100.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zIKaRuwLYksi" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">40,435</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWndrpF9ll33" title="Credit loss ratio">99.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDUVv1oKi5A4" title="Coverage ratio">1.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">1,040</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRsjY1eJ7yC5" title="Credit exposure ratio">0.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_zkoEwDg9auNj" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">45</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z8uZRS1NX7jf" title="Credit loss ratio">0.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdwsiDrKDiGg" title="Coverage ratio">4.3</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>804,608</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zCXBg2n0NEg7" title="Credit exposure ratio">15.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zRfvDDKBiBMc" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>71,149</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zgfhDFd60h7c" title="Credit loss ratio">18.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zS9s4u7ZPUF2" title="Coverage ratio">8.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">675,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNebqNIH2fRa" title="Credit exposure ratio">84.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zTM3EaxvcA28" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">57,102</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrDMZMEVtT8d" title="Credit loss ratio">80.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zf1YEIKcapoh" title="Coverage ratio">8.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">129,101</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlm7srUtYR3h" title="Credit exposure ratio">16.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_z7Axi7koEVg5" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">14,047</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0xTusdaeKPc" title="Credit loss ratio">19.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ze6ANyGS7Pz5" title="Coverage ratio">10.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>601,879</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zGDE1Sn3dqte" title="Credit exposure ratio">11.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zylXxVi3nJQi" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>279,050</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zsRONKLuLw27" title="Credit loss ratio">71.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zSVRNaqSUl6h" title="Coverage ratio">46.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">95,556</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpyPlUilJZyc" title="Credit exposure ratio">15.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zgY3ND0tfFzg" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">29,821</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ztJ01no3W6m" title="Credit loss ratio">10.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZegdnriYX2f" title="Coverage ratio">31.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">309,964</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztqISfh7MsOg" title="Credit exposure ratio">51.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_z7OeSzsroJDk" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">112,300</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZDHN4npIOs7" title="Credit loss ratio">40.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6PGi9veZsHg" title="Coverage ratio">36.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">196,359</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zruBQXvfyHtg" title="Credit exposure ratio">32.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageThreeMember_z7wW9fjn3tN4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">136,929</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLd4an4LYAIb" title="Credit loss ratio">49.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsF4VvgCPdej" title="Coverage ratio">69.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zkf2r0vkscll" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zHhrbCL273ni" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zra0zqgSilQ1" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zgxPqzV3T6kh" title="Coverage ratio">7.6</span>%</b></span></td></tr> </table> <p id="xdx_8A5_zN6QYpfPpIaf" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The credit quality classification is grouped in three categories based on its probability of default (PD) at the reporting date, as shown in the table below:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--DisclosureCreditQualityClassificationGross_zuHk6CPWrNb7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 5)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span id="xdx_8BD_ztdg5X58lfq9" style="display: none">Schedule of credit quality classification gross</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1 and 2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage3</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Default grade</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default"><1%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90D_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">1.0% to 5.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_906_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_905_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">20.0% to 35.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">>35%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_903_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--ProbabilityOfDefault1_dp_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8iNp7Kva2Tb" title="Probability of default">100</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member" title="Credit quality description">Higher Risk</span></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When compared to December 31, 2021, a change in the credit quality distribution is observed, with relative exposure moving to higher PD stages. This movement is explained by the changes to models and aforementioned risk normalization. There is still a significant concentration of receivables at stage 1 based on credit quality. Receivables with satisfactory risk are distributed between stages 1 and 2, mostly at stage 1.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Defaulted assets at stage 3 are classified as higher risk. <span style="background-color: white">There is also a large proportion of stage 2 exposures classified as higher risk. </span>Stage 1 receivables classified as higher risk are those customers with low credit risk scores.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">e) Credit loss allowance - changes</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables show the reconciliations from the opening to the closing balance of the credit loss allowance by stages of the financial instruments.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--DisclosureCreditAllowanceChangesExplanatory_zYOITRfkhG9e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 6)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span id="xdx_8BD_zg6dlw7o6Mu3" style="display: none">Schedule of credit allowance changes</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zsQbk1t9GHK" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU8RDQg7zj06" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znVtS35bxPac" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyZ2xmxCzEg4" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(19,469)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">19,469</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0tJQQyFFoSj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkClVPvip4Gl" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">38,029</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(38,029)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJEbYGJSt5uk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYuueWST8Ovg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(22,691)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(64,523)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">87,214</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersToStage3Value_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0bDnkDk5c41" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">6,148</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">1,659</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(7,807)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage3_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCd1oIDkLE67" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zl2YoBIrzTVd" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3205">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pdn3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3207">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">190,073</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">203,018</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">545,988</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">939,079</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zLubjvkWTKz3" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>144,394</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zmATnwDzUoE6" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>22,320</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zEeaYId1TOSj" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>11,167</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zjMSLHK4inil" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>177,881</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z5CO82CHz8Z9" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>115,746</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zMoyuAQ6p5g6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>4,813</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zyYeKVajHYah" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>2,400</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zbi5Gzl2mel6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>122,959</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(97,269)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>210,317</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>519,615</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>632,663</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zey7Ewnokihi" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>27,202</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zRLt85ob6Pt2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>(34,432)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zUSvBXcpO6T6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>12,806</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zEmqcKicMgO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>5,576</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,522</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">6,195</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,167</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">11,884</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5oxBAgnofPh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKQgc3wQi90a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUKJ967wIqJc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlEv72LsreY9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfJb1AdWdqn7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWIDqZDe4nsh" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUJXChFf2lri" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zs0pkzTpQO4l" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>217,542</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(10,514)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--TransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">10,514</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage1ToStage2_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQA9PwAa3OMe" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3281">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage1ToStage2_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_za3AguJl1Oz" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3283">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">17,840</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--TransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(17,840)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zW62fImnOkz7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3289">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zM9gDpvGVPgh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(7,023)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(13,176)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">20,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeF71NMXeDOc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">151</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">70</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(221)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersFromStage3_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjIaEn6WmrZk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zzhLladc69l2" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ze3So7IGiB81" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(118,518)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(118,518)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">54,096</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">92,658</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">164,847</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">311,601</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zxa3wex1yMgh" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>94,367</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zZ2y2tnLX6Pa" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>9,547</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zMafEpFrqov7" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>3,979</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zlFO82w078jf" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>107,893</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z2N0Y4DO0Ps" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>120,420</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zeljOJVD1Jz5" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>2,585</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zRIOxM1Vogn2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>363</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z5mexob89Kb9" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>123,368</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(161,906)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>79,282</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>160,186</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>77,562</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zWfN6I11OwR7" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,215</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zBJsAERCWa6d" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,244</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zsScbJu9E7el" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>319</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zFSFCuEsLVy1" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>2,778</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(6,488)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(6,225)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(7,233)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(19,946)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9jejax4zCVi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFI5EjTibLDj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLc8BQhw3wfj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFwaVHDPqTK2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 37%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zaxygrPpS6z3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>68,437</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zW4xYn1gURLk" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>75,531</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zrYMyQ0WhODj" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>79,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVLar1j2YKEl" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>223,897</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(4,252)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">4,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zxQiwAw3k0bf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zV6mYed2AeD" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">27,974</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(27,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQMFQtj6gz26" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2ESzQNTh0Pe" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(3,929)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(11,252)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">15,181</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMckYspjA291" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">246</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">129</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(375)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage3_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zg2RJ6j3Xxpj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbtFwsxesqje" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pdn3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3415">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">6,154</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">36,643</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">117,973</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">160,770</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z8lJEHPlpxm1" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>27,727</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zfaCQy59zEr8" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>2,421</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_z3x9kSDHVaUf" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>1,376</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zKiStDMxFPjd" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>31,524</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zGu5YHkANSh2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_z1UA0wlQXtW7" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zTMls68Qo4Vl" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zAixkoeH6HY8" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(9,593)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>33,474</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>104,248</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>128,129</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zlv21gibLGQj" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>(11,980)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zQyaPNgAdxUk" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>748</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zoIUBJo2Hou2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>12,349</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zIhOOJOAMTdc" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,117</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(15,334)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(16,938)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(17,997)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(50,269)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zV9732hJl0T3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zPEGQc2AOpNe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zV71l1C7VW82" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZ0A3TimkGb8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>217,542</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0A_zrTGitoNXGP3" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(a)</td> <td id="xdx_F17_zKE1hbt1KUY2" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Considers all accounts originated from the beginning to the end of the period. ECL effects presented in the table were calculated as if risk parameters at the beginning of the period were applied.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0D_zVEtwKaI4pcj" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(b)</td> <td id="xdx_F12_z5ZAIoS1BMKa" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Reflects the movements in exposure of accounts that already existed in the beginning of the period, as increase in credit limits. ECL effects were calculated as if risk parameters of the exposures at the beginning of the period were applied.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F06_zsSVe9namD45" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(c)</td> <td id="xdx_F1D_zFGeWA7kCgpa" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Relates to methodology changes that occurred during the period, according to the Group's processes of model monitoring.</td></tr> </table> <p id="xdx_8AC_zdTVtzECt87e" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables present changes in the gross carrying amount of the credit card portfolio to demonstrate the effects of the changes in the loss allowance for the same portfolio as discussed above. “Net change of gross carrying amount” includes acquisitions, payments, and interest accruals.</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureCreditAllowanceChangesGrossExplanatory_zad9SpqQ4uZe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 7)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zw8BXoPJ4hu8" style="display: none">Schedule of net change of gross carrying amount” includes acquisitions, payments, and interest accruals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zC58gXhJdf2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFQ4noXOFTI4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z5iTOuyxqzQk" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTXf35GzF3re" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(377,421)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">377,421</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_dp_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1RPUQmaSKqa" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3494">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvQYBW81XB97" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">178,742</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(178,742)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zyl36C0StUj3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zunx2qBJddPk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(218,192)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(168,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">387,166</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1hQyexmdrsl" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">8,576</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">2,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(10,901)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIZxvAiw9612" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZ3BpmzZ1Hod" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zJr4jIe6LTYa" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingWriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">3,450,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">427,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">313,606</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">4,191,343</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">182,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">17,857</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,521</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">203,703</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEOgdY1kKxDc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>7,750,270</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVD769EDHpFj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>917,178</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ziOi3G7itqBh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>598,777</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZbTI2niN232" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUymViXlWDld" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,799,999</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zmphbY40yrmd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>202,673</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqTuLMIiL3M6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>116,200</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5zoJfw04c9f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>3,118,872</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(168,654)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">168,654</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUqZsoBqvyld" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zJpn8f32tpE8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">73,448</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(73,448)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4MqSAILtUT" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3574">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zHkGROdpPiTd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(72,328)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(41,112)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">113,440</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zuHB0Su4a4Pg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">156</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">68</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(224)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkf9ZiaGYHVc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFfJvc3bv9I2" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zT1kgiOMyYY3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(120,071)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingWriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(120,071)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">2,145,118</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">205,148</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">97,356</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">2,447,622</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(252,050)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(21,878)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(10,342)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(284,270)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTrCO1Kxd0Y2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z98JwgCB2lf2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zd3CiUXkGOL2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zPnuei0i2MQf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTZxC65jdL8f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,484,556</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSWoNgVGt546" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>389,734</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdVvlx4QcAFc" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>136,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMAjwfoZYPJ6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>3,010,421</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(79,734)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">79,734</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdMeR2CRS0tk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6XylcUqSOk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">162,232</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(162,232)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zvT1aKzYDzEk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXmOLjRFCul7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(43,582)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(49,951)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">93,533</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2DFtq9HLM6d" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">435</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">226</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(661)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVkq70xC7BQ9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmapXW9CYh42" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zsiTUivsrtnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">839,461</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">31,990</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">34,640</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">906,091</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(563,369)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(86,828)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(30,587)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(680,784)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zMdpq804Gwc3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>2,799,999</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztIn3VzT45B5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>202,673</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zu43B8pt4xy8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>116,200</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zB7w72kxQnq5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>3,118,872</b></span></td></tr> </table> <p id="xdx_8AB_zhJhWAinMdk1" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">f) Credit loss allowance - COVID-19 impacts</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As the COVID-19 pandemic started to spread in the year 2020, lockdowns and mobility restrictions were expected to severely harm the economy, pushing financial institutions and individuals to be more conservative about taking risks. In addition, the Brazilian government response included "Emergency Aid", all of which together caused a change in the portfolio credit behavior, reducing delinquency and other risk indicators.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As vaccinations advanced and restrictions fell, mainly after the last quarter of 2021, the economy started to regain traction, laying ground for a resumption in risk-related activities.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In 2022, as the effects of the pandemic dimmed, the risk profile of the portfolio changed, reverting into what is considered to be a risk normalization trend until pre-pandemic levels. Delinquencies followed this path to normalization during the first half of 2022.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022 | ifrs-full |
Disclosure Of Composition Of Group Explanatory
DisclosureOfCompositionOfGroupExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89D_eifrs-full--DisclosureOfCompositionOfGroupExplanatory_z1tSYIUjrBij" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BA_zzJ5SkPLsh46" style="display: none">Composition of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20221231_zsxX3io6M4L3" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20211231_z9EBmb6S23x6" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 66%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_405_eifrs-full--TradeAndOtherCurrentReceivables_iI_pn3n3_zLFJrCMipbAb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - current <span id="xdx_F4F_z1vJKmHggbc3">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,236,235</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,341,492</span></td></tr> <tr id="xdx_40B_ecustom--ReceivablesInstallmentsI_iI_pn3n3_zYJAIiuTmdK7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - installments <span id="xdx_F47_zv4jsrbzoU9e">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,259,979</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,483,647</span></td></tr> <tr id="xdx_409_ecustom--ReceivablesRevolvingIi_iI_pn3n3_zhh4nbIJtBq6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - revolving <span id="xdx_F4C_znwEPxns53v8">(ii)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">770,011</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">337,014</span></td></tr> <tr id="xdx_408_eifrs-full--TradeAndOtherReceivables_iI_pn3n3_z1vUwBX08Hrj" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr id="xdx_40A_ecustom--FairValueAdjustmentPortfolioHedge_iI_pn3n3_zh8mFG7wJpFi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value adjustment - portfolio hedge (note 18)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(51)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2672">-</span></span></td></tr> <tr id="xdx_40A_ecustom--Total_iI_pn3n3_zJua9l4Ki4Ee" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,266,174</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--CreditCardEclAllowanceAbstract_iB_zppsmGtScWid" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit card ECL allowance</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--PresentedAsDeductionOfReceivables_iI_pn3n3_zWHu0Zkhngcd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as deduction of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,033,102)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(381,633)</span></td></tr> <tr id="xdx_40D_ecustom--PresentedAsOtherLiabilities_iI_pn3n3_zr9IUssGDo6f" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as "Other liabilities"</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(17,566)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(9,046)</span></td></tr> <tr id="xdx_408_ecustom--TotalCreditCardEclAllowance_iI_pn3n3_zAV9uNhwdUF9" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total credit card ECL allowance</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,050,668)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(390,679)</b></span></td></tr> <tr id="xdx_40C_ecustom--ReceivablesNet_iI_pn3n3_zyT9t7v8upd8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables, net</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,215,506</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,771,474</b></span></td></tr> <tr id="xdx_40E_ecustom--TotalReceivablesPresentedAsAssets_iI_pn3n3_z6FnRL3y8fN5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables presented as assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,233,072</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,780,520</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F06_zs0BWs141z9e" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F12_zSXFeaAmQgki" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Receivables - current" is related to purchases made by customers due on the next credit card billing date, and pix financing in one installment. "Receivables - installments" is related to purchases in installments which are financed by the merchant. Cardholder's purchase is paid in up to 12, 24 and 36 in Brazil, Mexico and Colombia, respectively, in monthly installments on purchases in installments. Cardholder's credit limit is reduced whenever there is a transaction by the customer. The Group makes the corresponding payments to the credit card network (see note 21) following a similar schedule. As receipts and payments are aligned, the Group does not incur significant financing costs with this product, however it is exposed to the credit risk of the cardholder as it is obliged to make the payments to the credit card network even if the cardholder does not pay. "Receivables - installments" also includes the amounts of credit card bills not fully paid by the customers and that have been converted into payments in installments with a fixed interest rate (<i>fatura parcelada</i>), in addition to bill financing.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zRhwmiC81YWh" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F14_zNMJPzV9Uozh" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Receivables - revolving" is related to the amounts due from customers that have not paid in full their credit card bill. Customers may request to convert these receivables into loans to be paid in installments. In accordance with Brazilian regulation, revolving balances that are outstanding for more than 2 months are mandatorily converted into <i>fatura parcelada</i> - a type of installment loan which is settled through the customer's monthly credit card bills<span style="color: #1D1C1D; background-color: white">.</span></td></tr> </table> | |
| CY2022Q4 | ifrs-full |
Trade And Other Current Receivables
TradeAndOtherCurrentReceivables
|
4236235000 | usd |
| CY2021Q4 | ifrs-full |
Trade And Other Current Receivables
TradeAndOtherCurrentReceivables
|
2341492000 | usd |
| CY2022Q4 | nu |
Receivables Installments I
ReceivablesInstallmentsI
|
4259979000 | usd |
| CY2021Q4 | nu |
Receivables Installments I
ReceivablesInstallmentsI
|
2483647000 | usd |
| CY2022Q4 | nu |
Receivables Revolving Ii
ReceivablesRevolvingIi
|
770011000 | usd |
| CY2021Q4 | nu |
Receivables Revolving Ii
ReceivablesRevolvingIi
|
337014000 | usd |
| CY2022Q4 | ifrs-full |
Trade And Other Receivables
TradeAndOtherReceivables
|
9266225000 | usd |
| CY2021Q4 | ifrs-full |
Trade And Other Receivables
TradeAndOtherReceivables
|
5162153000 | usd |
| CY2022Q4 | nu |
Fair Value Adjustment Portfolio Hedge
FairValueAdjustmentPortfolioHedge
|
-51000 | usd |
| CY2022Q4 | nu |
Total
Total
|
9266174000 | usd |
| CY2021Q4 | nu |
Total
Total
|
5162153000 | usd |
| CY2022Q4 | nu |
Presented As Deduction Of Receivables
PresentedAsDeductionOfReceivables
|
-1033102000 | usd |
| CY2021Q4 | nu |
Presented As Deduction Of Receivables
PresentedAsDeductionOfReceivables
|
-381633000 | usd |
| CY2022 | nu |
Lending To Individuals
LendingToIndividuals
|
1976499000 | usd |
| CY2022Q4 | nu |
Presented As Other Liabilities
PresentedAsOtherLiabilities
|
-17566000 | usd |
| CY2021Q4 | nu |
Presented As Other Liabilities
PresentedAsOtherLiabilities
|
-9046000 | usd |
| CY2022Q4 | nu |
Total Credit Card Ecl Allowance
TotalCreditCardEclAllowance
|
-1050668000 | usd |
| CY2021Q4 | nu |
Total Credit Card Ecl Allowance
TotalCreditCardEclAllowance
|
-390679000 | usd |
| CY2022Q4 | nu |
Receivables Net
ReceivablesNet
|
8215506000 | usd |
| CY2021Q4 | nu |
Receivables Net
ReceivablesNet
|
4771474000 | usd |
| CY2022Q4 | nu |
Total Receivables Presented As Assets
TotalReceivablesPresentedAsAssets
|
8233072000 | usd |
| CY2021Q4 | nu |
Total Receivables Presented As Assets
TotalReceivablesPresentedAsAssets
|
4780520000 | usd |
| CY2022 | nu |
Schedule Of Breakdown By Maturity
ScheduleOfBreakdownByMaturity
|
<table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfBreakdownByMaturity_zOCFZ5tqPVP9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 1)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zVNdL91Ulv7e" style="display: none">Breakdown by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments not overdue due in:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><= 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zRPw6y6s2uR9" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">4,036,414</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zHuTp0J8GX1l" title="Total not overdue %">43.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zH6jOi0oXihl" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">2,401,149</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zVXNQyJfNFLa" title="Total not overdue %">46.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zcQuju45z6Z" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">1,604,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zKKPQX1ftSog" title="Total not overdue %">17.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zHf807LY0rh2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">904,864</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z20P1uqMQTHe" title="Total not overdue %">17.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">> 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zrzLD2TV00J7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">2,823,966</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zinwdqJeWdwf" title="Total not overdue %">30.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zw327z81y3tb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">1,579,010</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z9dolU6BQvK9" title="Total not overdue %">30.6</span>%</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total not overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zjfyAqzGXPK5" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>8,464,436</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zspzF9pGX5h7" title="Total not overdue %">91.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_z0tkRi37YH18" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>4,885,023</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zVbEuXiTts5j" title="Total not overdue %">94.6</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments overdue by:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><= 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">237,531</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zbLwoC2CCz32" title="Total not overdue %">2.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zItWyyiTYB44" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">77,527</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_z7h4wYWlouBg" title="Total not overdue %">1.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">91,604</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zzuMLqikwlEi" title="Total not overdue %">1.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zxAYbncKefc3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">34,476</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zCvBKprl6O5d" title="Total not overdue %">0.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">74,917</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zV9hE4h70Yp" title="Total not overdue %">0.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zV0nIzyBBJm2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">26,747</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_ztZaaLTgNOZi" title="Total not overdue %">0.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">> 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">397,737</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z7t6iwnoobc6" title="Total not overdue %">4.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zeg333aflbri" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">138,380</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z0e8XJV2Pxw8" title="Total not overdue %">2.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zhW5awEhWtxa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>801,789</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zI1SROMhhUz7" title="Total not overdue %">8.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zkM2Vjlkxc5g" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>277,130</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20211231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zWO4yTmGZNt2" title="Total not overdue %">5.4</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--Borrowings2_iI_pn3n3_c20221231_z9Gl9hlUCmc5" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20221231_zrROA2S0wolj" title="Total %">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--Borrowings2_iI_pn3n3_c20211231_ziMCesFcR0Gg" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20211231_z2SDZKc4LWV4" title="Total %">100.0</span>%</b></span></td></tr> </table> | |
| CY2022Q4 | nu |
Borrowings2
Borrowings2
|
9266225000 | usd |
| CY2022Q4 | nu |
Borrowings Interest Rate1
BorrowingsInterestRate1
|
1.000 | pure |
| CY2021Q4 | nu |
Borrowings2
Borrowings2
|
5162153000 | usd |
| CY2021Q4 | nu |
Borrowings Interest Rate1
BorrowingsInterestRate1
|
1.000 | pure |
| CY2022Q4 | ifrs-full |
Expected Credit Loss Rate
ExpectedCreditLossRate
|
0.065 | pure |
| CY2021Q4 | ifrs-full |
Expected Credit Loss Rate
ExpectedCreditLossRate
|
0.038 | pure |
| CY2022 | nu |
Disclosure Of Credit Exposures Using External Credit Grading System Explanatory
DisclosureOfCreditExposuresUsingExternalCreditGradingSystemExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--DisclosureOfCreditExposuresUsingExternalCreditGradingSystemExplanatory_zfKFxWQ6Bro7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zbLoktVlXYz5" style="display: none"> Schedule of majority of the Group's credit card portfolio being classified as stage 1, followed by stages 2 and 3, respectively</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 32%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>7,750,270</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zb8veD8esxNh" title="Gross exposures (percent)">83.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zbZy3G79Sa7k" title="Loss allowance (percent)">30.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_z3PWF0GmGVEl" title="Coverage ratio">4.2</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>917,178</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zBR8rHwUhQWk" title="Gross exposures (percent)">9.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zJZnWIoe91ql" title="Loss allowance (percent)">24.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znF5RaRnC0La" title="Coverage ratio">27.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">215,209</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zlcCQn1HMUgl" title="Gross exposures (percent)">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">140,167</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zPRt9Qyko4mi" title="Loss allowance (percent)">55.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zmnvN8YThOTc" title="Coverage ratio">65.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">701,969</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_ziO81spkxlj2" title="Gross exposures (percent)">76.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">114,014</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zWZ54P6xWwC2" title="Loss allowance (percent)">44.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zBqJJ2Pnci3d" title="Coverage ratio">16.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>598,777</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zflvAFeCGUFh" title="Gross exposures (percent)">6.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowance_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zlADp4NsVoS7" title="Loss allowance (percent)">45.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zDI11WkGR5Bl" title="Coverage ratio">79.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposures_iI_pn3n3_c20221231_zwEGSI2KX82b" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231_znoxFCID4DYl" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_iI_pn3n3_c20221231_zxmjR5dmR6Ya" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20221231_zzcHVqr9i039" title="Loss allowance (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CoverageRatioPercentage_iI_dp_c20221231_z54MJy4aRKPd" title="Coverage ratio">11.3</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zuCsk1tw6sde" title="Gross exposures (percent)">87.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zdrk7nDnNSMi" title="Loss allowance (percent)">32.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage1Member_zCqZZGqVgKPj" title="Coverage ratio">2.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_zubCbI42ilj4" title="Gross exposures (percent)">8.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_z72gTSDP02el" title="Loss allowance (percent)">32.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member_z3DSNTeZ6K4b" title="Coverage ratio">28.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">131,409</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zhnSYAyHO1Z" title="Gross exposures (percent)">29.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">61,844</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_z4RNIZWrdGuh" title="Loss allowance (percent)">48.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zj6gLDesY86" title="Coverage ratio">47.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">308,696</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zki9R3GhJRS5" title="Gross exposures (percent)">70.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">64,548</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_z1KSjbIivDBg" title="Loss allowance (percent)">51.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zDq9Kwwmm3af" title="Coverage ratio">20.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zKagNAvJyzd9" title="Gross exposures (percent)">3.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--LossAllowancePercent_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zwWpbhEVvPZe" title="Loss allowance (percent)">35.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20211231__ifrs-full--MaturityAxis__custom--Stage3Member_zT59pYcekcCe" title="Coverage ratio">69.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposures_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--ConcentrationsOfRisk1_iI_dp_c20211231_z3RWohNV0nv5" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--LossAllowancePercent_iI_dp_c20211231_zwng4p1PYP01" title="Loss allowance (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatioPercentage_iI_dp_c20211231_zyn3Md3NQ5df" title="Coverage ratio">7.6</span>%</b></span></td></tr> </table> | |
| CY2022Q4 | nu |
Credit Exposures
CreditExposures
|
9266225000 | usd |
| CY2022Q4 | nu |
Concentrations Of Risk1
ConcentrationsOfRisk1
|
1.000 | pure |
| CY2022Q4 | nu |
Loss Allowance
LossAllowance
|
1050668000 | usd |
| CY2022Q4 | nu |
Loss Allowance Percent
LossAllowancePercent
|
1.000 | pure |
| CY2022Q4 | nu |
Coverage Ratio Percentage
CoverageRatioPercentage
|
0.113 | pure |
| CY2021Q4 | nu |
Credit Exposures
CreditExposures
|
5162153000 | usd |
| CY2021Q4 | nu |
Concentrations Of Risk1
ConcentrationsOfRisk1
|
1.000 | pure |
| CY2021Q4 | nu |
Loss Allowance
LossAllowance
|
390679000 | usd |
| CY2021Q4 | nu |
Loss Allowance Percent
LossAllowancePercent
|
1.000 | pure |
| CY2021Q4 | nu |
Coverage Ratio Percentage
CoverageRatioPercentage
|
0.076 | pure |
| CY2022 | nu |
Disclosure Credit Allowance Explanatory
DisclosureCreditAllowanceExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--DisclosureCreditAllowanceExplanatory_z6HoJ5rKlzW7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zrDpYVjQtO6a" style="display: none">Schedule of Credit loss allowance by credit quality</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>6,097,909</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zO2v4y0tALXg" title="Credit exposure ratio">65.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>113,780</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zTSoCIXIsfqg" title="Credit loss ratio">10.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zg1tvJUvu1x2" title="Coverage ratio">1.9</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">6,081,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxArPqj5InO4" title="Credit exposure ratio">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">113,525</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zx99sFVAAjD" title="Credit loss ratio">99.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8CE1iTnmxDh" title="Coverage ratio">1.9</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">16,358</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCHaRkn67DDf" title="Credit exposure ratio">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">255</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziZNJjFhGk89" title="Credit loss ratio">0.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRAxXr4x1A74" title="Coverage ratio">1.6</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,477,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zKIEBHrepdmg" title="Credit exposure ratio">15.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>118,825</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_ziG4sfqmLfjg" title="Credit loss ratio">11.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zhNM2Mtu8gYd" title="Coverage ratio">8.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">1,227,610</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSyv4Aelz8v6" title="Credit exposure ratio">83.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">100,190</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zopvlzYkVhA7" title="Credit loss ratio">84.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z2Wk12LtYKi2" title="Coverage ratio">8.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">249,804</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7ZjdATG4KDg" title="Credit exposure ratio">16.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">18,635</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWl8rFNaLkW1" title="Credit loss ratio">15.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjgzpWw3prf7" title="Coverage ratio">7.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,690,902</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zRcOlyF3KaP1" title="Credit exposure ratio">18.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>818,063</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zGoTRgCn2iL8" title="Credit loss ratio">78.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zNCt3dvqkkfk" title="Coverage ratio">48.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">441,109</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zRnt25cm7nb9" title="Credit exposure ratio">26.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">109,255</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0KKEc3WIeaj" title="Credit loss ratio">13.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5LOhQatj7Uh" title="Coverage ratio">24.8</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">651,016</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zw7W9S7ruUrf" title="Credit exposure ratio">38.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">235,291</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpc8tTiNg1K7" title="Credit loss ratio">28.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztgBqTJ9G9zl" title="Coverage ratio">36.1</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">598,777</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zyTW3pXXgGG1" title="Credit exposure ratio">35.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageThreeMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">473,517</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzRG6ht0IrDk" title="Credit loss ratio">57.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmfmzPxb1slj" title="Coverage ratio">79.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposure1_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z8310lZNUk2" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z54Z1Q0vYVO8" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zLE4eLTPr5E7" title="Coverage ratio">11.3</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>3,755,666</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_z6pKRUl2cj3g" title="Credit exposure ratio">72.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zNWokmJuLBjh" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>40,480</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zU9GzXMPbWn4" title="Credit loss ratio">10.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zI9C0b1KZxFi" title="Coverage ratio">1.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">3,754,626</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zYWuLJEI0Wmf" title="Credit exposure ratio">100.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zIKaRuwLYksi" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">40,435</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWndrpF9ll33" title="Credit loss ratio">99.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDUVv1oKi5A4" title="Coverage ratio">1.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">1,040</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRsjY1eJ7yC5" title="Credit exposure ratio">0.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_zkoEwDg9auNj" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">45</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z8uZRS1NX7jf" title="Credit loss ratio">0.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdwsiDrKDiGg" title="Coverage ratio">4.3</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>804,608</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zCXBg2n0NEg7" title="Credit exposure ratio">15.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zRfvDDKBiBMc" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>71,149</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zgfhDFd60h7c" title="Credit loss ratio">18.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zS9s4u7ZPUF2" title="Coverage ratio">8.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">675,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNebqNIH2fRa" title="Credit exposure ratio">84.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zTM3EaxvcA28" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">57,102</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrDMZMEVtT8d" title="Credit loss ratio">80.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zf1YEIKcapoh" title="Coverage ratio">8.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">129,101</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlm7srUtYR3h" title="Credit exposure ratio">16.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_z7Axi7koEVg5" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">14,047</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0xTusdaeKPc" title="Credit loss ratio">19.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ze6ANyGS7Pz5" title="Coverage ratio">10.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>601,879</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zGDE1Sn3dqte" title="Credit exposure ratio">11.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zylXxVi3nJQi" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>279,050</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zsRONKLuLw27" title="Credit loss ratio">71.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zSVRNaqSUl6h" title="Coverage ratio">46.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">95,556</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpyPlUilJZyc" title="Credit exposure ratio">15.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageOneMember_zgY3ND0tfFzg" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">29,821</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ztJ01no3W6m" title="Credit loss ratio">10.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZegdnriYX2f" title="Coverage ratio">31.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">309,964</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztqISfh7MsOg" title="Credit exposure ratio">51.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageTwoMember_z7OeSzsroJDk" style="padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">112,300</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZDHN4npIOs7" title="Credit loss ratio">40.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6PGi9veZsHg" title="Coverage ratio">36.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%">196,359</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zruBQXvfyHtg" title="Credit exposure ratio">32.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--StageThreeMember_z7wW9fjn3tN4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%">136,929</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLd4an4LYAIb" title="Credit loss ratio">49.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsF4VvgCPdej" title="Coverage ratio">69.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit exposure"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditExposureRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zkf2r0vkscll" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zHhrbCL273ni" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Utilisation, allowance account for credit losses of financial assets"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditLossRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zra0zqgSilQ1" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zgxPqzV3T6kh" title="Coverage ratio">7.6</span>%</b></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Credit Quality Classification Gross
DisclosureCreditQualityClassificationGross
|
<table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--DisclosureCreditQualityClassificationGross_zuHk6CPWrNb7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 5)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span id="xdx_8BD_ztdg5X58lfq9" style="display: none">Schedule of credit quality classification gross</span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1 and 2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage3</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Default grade</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default"><1%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90D_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">1.0% to 5.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_906_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_905_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">20.0% to 35.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfProbabilityOfDefault_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">>35%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_903_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--ProbabilityOfDefault1_dp_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8iNp7Kva2Tb" title="Probability of default">100</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfCreditQuality1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member" title="Credit quality description">Higher Risk</span></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Credit Allowance Changes Explanatory
DisclosureCreditAllowanceChangesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--DisclosureCreditAllowanceChangesExplanatory_zYOITRfkhG9e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 6)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span id="xdx_8BD_zg6dlw7o6Mu3" style="display: none">Schedule of credit allowance changes</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zsQbk1t9GHK" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU8RDQg7zj06" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znVtS35bxPac" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyZ2xmxCzEg4" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(19,469)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">19,469</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0tJQQyFFoSj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkClVPvip4Gl" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">38,029</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(38,029)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJEbYGJSt5uk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYuueWST8Ovg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(22,691)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(64,523)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">87,214</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersToStage3Value_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0bDnkDk5c41" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">6,148</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">1,659</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(7,807)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersFromStage3_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCd1oIDkLE67" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zl2YoBIrzTVd" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3205">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pdn3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3207">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">190,073</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">203,018</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">545,988</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">939,079</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zLubjvkWTKz3" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>144,394</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zmATnwDzUoE6" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>22,320</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zEeaYId1TOSj" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>11,167</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zjMSLHK4inil" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>177,881</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z5CO82CHz8Z9" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>115,746</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zMoyuAQ6p5g6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>4,813</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zyYeKVajHYah" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>2,400</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zbi5Gzl2mel6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>122,959</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(97,269)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>210,317</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>519,615</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>632,663</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zey7Ewnokihi" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>27,202</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zRLt85ob6Pt2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>(34,432)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zUSvBXcpO6T6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>12,806</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zEmqcKicMgO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>5,576</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,522</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">6,195</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,167</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">11,884</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5oxBAgnofPh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKQgc3wQi90a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUKJ967wIqJc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlEv72LsreY9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,050,668</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfJb1AdWdqn7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWIDqZDe4nsh" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUJXChFf2lri" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zs0pkzTpQO4l" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>217,542</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(10,514)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--TransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">10,514</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage1ToStage2_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQA9PwAa3OMe" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3281">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage1ToStage2_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_za3AguJl1Oz" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3283">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">17,840</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--TransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(17,840)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zW62fImnOkz7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3289">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zM9gDpvGVPgh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(7,023)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(13,176)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">20,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeF71NMXeDOc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">151</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">70</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(221)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersFromStage3_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjIaEn6WmrZk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zzhLladc69l2" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ze3So7IGiB81" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(118,518)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(118,518)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">54,096</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">92,658</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">164,847</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">311,601</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zxa3wex1yMgh" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>94,367</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zZ2y2tnLX6Pa" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>9,547</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zMafEpFrqov7" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>3,979</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zlFO82w078jf" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>107,893</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z2N0Y4DO0Ps" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>120,420</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zeljOJVD1Jz5" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>2,585</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zRIOxM1Vogn2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>363</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z5mexob89Kb9" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>123,368</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(161,906)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>79,282</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>160,186</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DueToExposureAndRiskChanges_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>77,562</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zWfN6I11OwR7" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,215</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zBJsAERCWa6d" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,244</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zsScbJu9E7el" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>319</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zFSFCuEsLVy1" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>2,778</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(6,488)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(6,225)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(7,233)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(19,946)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9jejax4zCVi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>127,358</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFI5EjTibLDj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>126,392</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLc8BQhw3wfj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>136,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFwaVHDPqTK2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>390,679</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 37%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zaxygrPpS6z3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>68,437</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zW4xYn1gURLk" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>75,531</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zrYMyQ0WhODj" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>79,929</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVLar1j2YKEl" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>223,897</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(4,252)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">4,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zxQiwAw3k0bf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zV6mYed2AeD" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">27,974</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(27,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQMFQtj6gz26" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2ESzQNTh0Pe" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(3,929)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(11,252)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">15,181</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMckYspjA291" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">246</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">129</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(375)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersFromStage3_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zg2RJ6j3Xxpj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbtFwsxesqje" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pdn3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3415">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">6,154</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">36,643</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">117,973</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">160,770</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z8lJEHPlpxm1" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>27,727</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zfaCQy59zEr8" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>2,421</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_z3x9kSDHVaUf" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>1,376</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zKiStDMxFPjd" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>31,524</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zGu5YHkANSh2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_z1UA0wlQXtW7" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zTMls68Qo4Vl" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zAixkoeH6HY8" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(9,593)</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>33,474</i></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>104,248</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>128,129</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zlv21gibLGQj" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>(11,980)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zQyaPNgAdxUk" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>748</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zoIUBJo2Hou2" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>12,349</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zIhOOJOAMTdc" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation"><span style="font-size: 8pt; line-height: 115%"><i>1,117</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(15,334)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(16,938)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(17,997)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(50,269)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zV9732hJl0T3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zPEGQc2AOpNe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zV71l1C7VW82" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZ0A3TimkGb8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>217,542</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0A_zrTGitoNXGP3" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(a)</td> <td id="xdx_F17_zKE1hbt1KUY2" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Considers all accounts originated from the beginning to the end of the period. ECL effects presented in the table were calculated as if risk parameters at the beginning of the period were applied.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0D_zVEtwKaI4pcj" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(b)</td> <td id="xdx_F12_z5ZAIoS1BMKa" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Reflects the movements in exposure of accounts that already existed in the beginning of the period, as increase in credit limits. ECL effects were calculated as if risk parameters of the exposures at the beginning of the period were applied.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F06_zsSVe9namD45" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(c)</td> <td id="xdx_F1D_zFGeWA7kCgpa" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Relates to methodology changes that occurred during the period, according to the Group's processes of model monitoring.</td></tr> </table> | |
| CY2022 | nu |
Disclosure Credit Allowance Changes Gross Explanatory
DisclosureCreditAllowanceChangesGrossExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureCreditAllowanceChangesGrossExplanatory_zad9SpqQ4uZe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 7)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zw8BXoPJ4hu8" style="display: none">Schedule of net change of gross carrying amount” includes acquisitions, payments, and interest accruals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zC58gXhJdf2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFQ4noXOFTI4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z5iTOuyxqzQk" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTXf35GzF3re" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(377,421)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">377,421</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_dp_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1RPUQmaSKqa" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3494">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvQYBW81XB97" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">178,742</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(178,742)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zyl36C0StUj3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zunx2qBJddPk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(218,192)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(168,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersToStage3Value_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">387,166</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1hQyexmdrsl" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">8,576</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">2,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(10,901)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIZxvAiw9612" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZ3BpmzZ1Hod" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zJr4jIe6LTYa" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingWriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(290,974)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">3,450,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">427,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">313,606</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">4,191,343</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">182,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">17,857</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,521</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">203,703</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEOgdY1kKxDc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>7,750,270</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVD769EDHpFj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>917,178</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ziOi3G7itqBh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>598,777</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZbTI2niN232" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>9,266,225</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUymViXlWDld" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,799,999</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zmphbY40yrmd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>202,673</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqTuLMIiL3M6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>116,200</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5zoJfw04c9f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>3,118,872</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(168,654)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">168,654</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUqZsoBqvyld" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zJpn8f32tpE8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">73,448</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(73,448)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_dp_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4MqSAILtUT" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3574">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zHkGROdpPiTd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(72,328)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(41,112)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersToStage3Value_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">113,440</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zuHB0Su4a4Pg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">156</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">68</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersFromStage3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(224)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkf9ZiaGYHVc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFfJvc3bv9I2" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zT1kgiOMyYY3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(120,071)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingWriteoffsLossAllowance_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(120,071)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">2,145,118</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">205,148</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">97,356</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">2,447,622</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(252,050)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(21,878)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(10,342)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(284,270)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTrCO1Kxd0Y2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>4,525,689</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z98JwgCB2lf2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>440,105</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zd3CiUXkGOL2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>196,359</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zPnuei0i2MQf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>5,162,153</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTZxC65jdL8f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,484,556</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSWoNgVGt546" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>389,734</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdVvlx4QcAFc" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>136,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMAjwfoZYPJ6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>3,010,421</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(79,734)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage1ToStage2_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">79,734</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdMeR2CRS0tk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6XylcUqSOk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">162,232</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage2ToStage1_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(162,232)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zvT1aKzYDzEk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXmOLjRFCul7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(43,582)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(49,951)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersToStage3Value_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">93,533</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2DFtq9HLM6d" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">435</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">226</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(661)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage3_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVkq70xC7BQ9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmapXW9CYh42" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_d0_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zsiTUivsrtnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(116,856)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net change of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">839,461</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">31,990</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">34,640</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">906,091</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(563,369)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(86,828)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(30,587)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(680,784)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zMdpq804Gwc3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>2,799,999</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztIn3VzT45B5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>202,673</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zu43B8pt4xy8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>116,200</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zB7w72kxQnq5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>3,118,872</b></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Of Loans To Customer Explanatory
DisclosureOfLoansToCustomerExplanatory
|
<p id="xdx_807_ecustom--DisclosureOfLoansToCustomerExplanatory_zDrjcs15Foo3" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify">14. <span id="xdx_825_zPx7LbM4dn82">Loans to customers</span></p> <table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfBreakdownOfReceivableTableTextBlock_zMFdKIIRK5n5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_zDO9n7naCUGd" style="display: none">Breakdown of receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20220101__20221231_zqerYpR4m6ti" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_493_20210101__20211231_zpkPrtCbOOFa" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_406_ecustom--LendingToIndividuals_pn3n3_zUvT5NjNcsA5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Lending to individuals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,976,499</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,392,350</span></td></tr> <tr id="xdx_409_ecustom--LoanEclAllowance_pn3n3_zh3rXnbHijm" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Loan ECL allowance</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(300,223)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(197,536)</span></td></tr> <tr id="xdx_406_ecustom--TotalReceivables_pn3n3_zbga2UoMpBj8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,676,276</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,194,814</b></span></td></tr> <tr id="xdx_40E_ecustom--FairValueAdjustmentPortfolioHedges_pn3n3_d0_zM8rMjmj0TFf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value adjustment - portfolio hedge (note 18)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,836)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_40C_ecustom--CurrentLoansAndReceivables1_pn3n3_zFclmgZHVI5b" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,673,440</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,194,814</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On June 30, 2022, as a result of the growth in the lending portfolio and its historical data, the Company reviewed the reasonable expectation of recovery for those receivables and concluded that partial write-off of the lending portfolio in arrears for 120 days was more appropriate compared to the previous estimate of 360 days, which took into account our experience with credit card receivables, as described in the note 5.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>a) Breakdown by maturity</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following table shows loans to customers by maturity on December 31, 2022, and 2021, considering each installment individually.</p> <table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfBreakdownByMaturityTableTextBlock_zbmyguepJpf5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 1)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_z7FYAaE4eOz6" style="display: none">Breakdown by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments not overdue due in:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Less than 1 year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BreakdownByMaturity_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">1,697,288</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanOneYearMember_z7yi9Gf77dJ" title="Breakdown by maturity ratio">85.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanOneYearMember_zU0iEcI8bO6l" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">1,155,760</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanOneYearMember_zT9Lxy7LAPrh" title="Breakdown by maturity ratio">83.5</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Between 1 and 5 years</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenOneAndFiveYearsMember_zfitHLEGscFe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">198,533</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenOneAndFiveYearsMember_z6TEpgCvi178" title="Breakdown by maturity ratio">10.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenOneAndFiveYearsMember_zj2pwaObaQO" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">189,051</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenOneAndFiveYearsMember_zrJjbbFi7wt2" title="Breakdown by maturity ratio">13.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total not overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_z5NYdEbPOEs2" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>1,895,821</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_zXjN8il7NQ96" title="Breakdown by maturity ratio">95.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_zVyJUi9QVaH4" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>1,344,811</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_znvouFAq1x94" title="Breakdown by maturity ratio">96.6</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Installments overdue by:</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><= 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zFTJhZnIhDTf" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">30,509</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zT4jhE67gXQb" title="Breakdown by maturity ratio">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_z9vVGbIYcao6" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">13,423</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zOuAnycV8iA6" title="Breakdown by maturity ratio">1.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_z9WUs1yTS4l3" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">18,191</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zHM5vHw5ViEc" title="Breakdown by maturity ratio">1.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_ziF3UREN2JAc" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">8,948</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zfqkY8hAv32b" title="Breakdown by maturity ratio">0.6</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_z86eEpy3jhXl" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">13,315</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_zvU7cNPDBgUi" title="Breakdown by maturity ratio">0.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_z6cPzohbke0i" style="padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">5,757</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_zYadb2detGDj" title="Breakdown by maturity ratio">0.4</span>%</span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">> 90 days</span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zydMyrpZ3F6e" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">18,663</span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_z76F7qSoBDQ5" title="Breakdown by maturity ratio">0.9</span>%</span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zJ1cuaCnzWMh" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%">19,411</span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zDxjRvBtgtC7" title="Breakdown by maturity ratio">1.4</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zspTPLd237se" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>80,678</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zJ36Og43pPve" title="Breakdown by maturity ratio">4.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zXuF7dszCzM8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>47,539</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zIUiPHyMnlma" title="Breakdown by maturity ratio">3.4</span>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231_zF0bfSiATd93" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231_zb6jsCU0aco3" title="Breakdown by maturity ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BreakdownByMaturity_pn3n3_c20210101__20211231_zQkjKKFvLdZ6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Breakdown by maturity"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--BreakdownByMaturityRatio_iI_dp_c20211231_zy9mCP3EzO42" title="Breakdown by maturity ratio">100.0</span>%</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Credit loss allowance - by stages</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The tables below show the credit loss allowance by stages as of December 30, 2022, and 2021.</p> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--DisclosureOfCreditLossAllowanceByStagesExplanatory_zVDvYlAFn7M6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zjrDUfxJUhI2" style="display: none">Schedule of credit loss allowance by stages</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkrTKnroqnVl" title="Percentage of credit exposure">77</span>.0%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4216FpGyIgh" title="Percentage of loss allowance">25.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGnFJ7pFUk2k" title="Coverage Ratio">5.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znrbVvk6lzNc" title="Percentage of credit exposure">17.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNh8oil7su3l" title="Percentage of loss allowance">49.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3kpiFjVUIK4" title="Coverage Ratio">42.2</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">87,841</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zMsR4qT3s7M7" title="Percentage of credit exposure">25.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">75,612</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zTfOSmImFUE4" title="Percentage of loss allowance">51.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zLQsvEmklS88" title="Coverage Ratio">86.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">263,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zYs8P2Sxhd1f" title="Percentage of credit exposure">75.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,621</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zvap6UFvasFc" title="Percentage of loss allowance">49.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zTk9RrujSwH1" title="Coverage Ratio">27.6</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3 (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpdfvsv2WOYa" title="Percentage of credit exposure">5.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjUEMmrK3Vtg" title="Percentage of loss allowance">25.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMtj2oYO2nQh" title="Coverage Ratio">72.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zRRL0YXIQKX" title="Percentage of credit exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIp0XMJxhc0i" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkniSAwImFd1" title="Percentage of loss allowance">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjVVrkl6oGDg" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">(i) The table above presents the loans to customers considering the change in estimate of recovery and the partial write-off of receivables in arrears for more than 120 days.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zytNoaoC97La" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIVfbdoRv8h7" title="Percentage of credit exposure">81.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuKx42RCKWU6" title="Percentage of loss allowance">34.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zStbC9zkRtyk" title="Coverage Ratio">6.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z270QBua6w1g" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zekqwchK7U97" title="Percentage of credit exposure">14.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zGsCPSkxnWF4" title="Percentage of loss allowance">36.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zA9QvUa0kt15" title="Coverage Ratio">36.5</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zdCF5KZOjund" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">39,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_z19SL4MKnEPd" title="Percentage of credit exposure">19.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">31,615</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zVLk1m3DiFZ9" title="Percentage of loss allowance">43.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zBidqprSIJWf" title="Coverage Ratio">80.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z0lvZRVH6rij" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">160,530</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z99o2Lm0t0C7" title="Percentage of credit exposure">80.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">41,320</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z1DbB85vqbdk" title="Percentage of loss allowance">56.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zFuAoBP90iod" title="Coverage Ratio">25.7</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zV7VMRwTcFVg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcMbJYTz7l08" title="Percentage of credit exposure">4.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkBl9KAhkEB8" title="Percentage of loss allowance">28.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkIx5DlLDZol" title="Coverage Ratio">88.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcbelZTFwAff" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDBj0oCrxJJk" title="Percentage of credit exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0PxjMwgGEGk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVrg0BGTpfol" title="Percentage of loss allowance">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zdr76bc8OlI3" title="Coverage Ratio">14.2</span>%</b></span></td></tr> </table> <p id="xdx_8A6_z53CNhHtaaZg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Credit loss allowance - by credit quality vs stages</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--DisclosureOfCreditLossAllowanceQualityByStagesExplanatory_zF3sAKhDOQC1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zacWY7xfEFJ7" style="display: none">Credit loss allowance - by credit quality vs stages</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>832,448</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zyT4mjGNnuMi" title="Credit exposure ratio">42.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>9,344</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zACI5EwyFCx" title="Credit loss ratio">3.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zySGs4zXwxZ" title="Coverage Ratio">1.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zK8AgxMsG7L3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">819,605</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zhUkHrI9JFZj" title="Credit exposure ratio">98.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">9,093</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVmGBy9pkTxi" title="Credit loss ratio">97.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7SwidBSVfsg" title="Coverage Ratio">1.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLi8A0lNqsx4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">12,843</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4xxPWnVBixa" title="Credit exposure ratio">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">251</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zhUYAQuWYttf" title="Credit loss ratio">2.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEmE2k3mMNoe" title="Coverage Ratio">2.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>642,099</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zqJzfTLbl8R3" title="Credit exposure ratio">32.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>40,852</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_z0MhYWYNwx8b" title="Credit loss ratio">13.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zR2FtMVbUPg3" title="Coverage Ratio">6.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">583,925</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zcrxvpkJmfy3" title="Credit exposure ratio">90.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">36,228</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXvC5ruO7y2f" title="Credit loss ratio">88.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjEFwT2Dszk5" title="Coverage Ratio">6.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">58,174</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znReyNWVevI" title="Credit exposure ratio">9.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">4,624</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zf75ms7ImKg" title="Credit loss ratio">11.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z9gbACzn3mmc" title="Coverage Ratio">7.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>501,952</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zp4o5wRqENw7" title="Credit exposure ratio">25.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>250,027</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zXs1CNjU1G7c" title="Credit loss ratio">83.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zPYvFKlRFE47" title="Coverage Ratio">49.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">117,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpjM647cLanj" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">31,133</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0PqHkdhk041" title="Credit loss ratio">10.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkqvCrpbb8i4" title="Coverage Ratio">26.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">280,149</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zrg7KHSp5NQf" title="Credit exposure ratio">55.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">143,358</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zTk5abP1YRc" title="Credit loss ratio">47.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4lPyKNsd9nk" title="Coverage Ratio">51.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">104,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUSv6Wxwmte9" title="Credit exposure ratio">20.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">75,536</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zS6WUiZBzsD8" title="Credit loss ratio">25.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6Rm2yv6ca18" title="Coverage Ratio">72.4</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_iI_pn3n3_c20221231_zoYdA1uusili" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231_zOFv77ewiWol" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231_zrR7UB7Bwkt1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20221231_z9gYXRXkUaW3" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CoverageRatio_iI_dp_c20221231_zbuhn4IBUZO8" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>424,161</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zb34WE9INqOl" title="Credit exposure ratio">30.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zTycWoQeik2i" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>4,196</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zuRbWIP1aMcj" title="Credit loss ratio">2.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zJ31zrxd58Qc" title="Coverage Ratio">1.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">409,899</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUGD8LuPzKJc" title="Credit exposure ratio">96.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpHrE4Qsafo2" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">4,002</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zH0rFM0CZafi" title="Credit loss ratio">95.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjAwSuZvmvkf" title="Coverage Ratio">1.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">14,262</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z9vx6Ch4O1Tj" title="Credit exposure ratio">3.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3upiiuj917g" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">194</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zasTWKmyVSOh" title="Credit loss ratio">4.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziSuAUfPX2mf" title="Coverage Ratio">1.4</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>700,164</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zTFWi4vLlyYf" title="Credit exposure ratio">50.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zY2PAtcb1dm7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>47,779</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zQlGeTamzjfl" title="Credit loss ratio">24.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zu9IxIT6s66c" title="Coverage Ratio">6.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">656,647</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0OQf9rNszt7" title="Credit exposure ratio">93.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfwQwsqcxJGg" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">44,797</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAzoYbuFoFc" title="Credit loss ratio">93.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1mVC2QacQwg" title="Coverage Ratio">6.8</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">43,517</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlFBauVjkjm9" title="Credit exposure ratio">6.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXTiSq0SMNf4" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">2,982</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zksK6R9k4S19" title="Credit loss ratio">6.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zppFEgeiyWqb" title="Coverage Ratio">6.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>268,025</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zs5i1fVHlWE9" title="Credit exposure ratio">19.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zKtyDN8Nccd1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>145,561</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zuYqEZLhbwIf" title="Credit loss ratio">73.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zB5JkFeQDEyj" title="Coverage Ratio">54.3</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">62,976</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDw1bQAtlRbi" title="Credit exposure ratio">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoCleRaYp2Xb" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">20,127</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zX87B1R0Nc9" title="Credit loss ratio">13.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkrd8fJWl2U5" title="Coverage Ratio">32.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">142,261</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXC8mIrcnkpi" title="Credit exposure ratio">53.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztQgoLtbx3z6" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">69,759</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztUzv1b5nktk" title="Credit loss ratio">47.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7jfSDFOl3Z4" title="Coverage Ratio">49.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">62,788</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMV6Ueh5NDR7" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zaAp76Ozpk0d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">55,675</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJoKKKtkMsTi" title="Credit loss ratio">38.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zT64rXxHDXmc" title="Coverage Ratio">88.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20211231_z4OVyuy4BSl8" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_z0bolJchEJof" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231_zrGXlgbgiF8j" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231_z4Ei342fYoEa" title="Coverage Ratio">14.2</span>%</b></span></td></tr> </table> <p id="xdx_8A9_zfN3k3fQXdgh" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Most of the credit quality of this portfolio is classified as satisfactory, followed by strong and higher risk loans. Receivables with satisfactory and strong risk have a high distribution of stage 1. In 2022, the gross carrying amount increased by 41.9% in comparison to December 31, 2021.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Credit quality classification is grouped in three categories based on the probability of default (PD) at the reporting date, as shown in the table below:</p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureScheduleQualityClassificationExplanatory_zCdWVoR0M6hf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 4)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span id="xdx_8B5_zXNBgEtRGN74" style="display: none">Schedule of Credit Quality Classification</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1 and 2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage3</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Default grade</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 24%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade1Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default"><1%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_903_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade2Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">1.0% to 5.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90A_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade3Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade4Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">20.0% to 35.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade5Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">>35%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--ProbabilityOfDefault_dp_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zbbkQezz9Yee" title="Probability of default">100</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member" title="Credit quality description">Higher Risk</span></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Credit loss allowance - changes</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables show reconciliations from the opening to the closing balance of the provision for credit losses by the stages of the financial instruments.</p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureCreditAllownaceChangesTransferStageExplanatory_zTXs3US9Wdg5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 5)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> <span id="xdx_8BE_zGObZ4eAITCg" style="display: none">Schedule of credit allowance</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zeEQmZYTAZR1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zK7rQSVJD3Sg" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4whPT6u2Ru7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFA3mw8gp9dc" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(6,642)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">6,642</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcwNvEsxiM0h" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zK0W0bXBcZe2" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">5,946</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(5,946)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBUDDNQO3fUd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIrqzdLYZgj8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(18,294)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(60,238)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">78,532</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesToStage3Value_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKKKN8OzhKme" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">647</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">619</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,266)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwl41cDkuJyd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3rfDL67lNe9" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zD2ZcscpYLee" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">21,986</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">131,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">348,347</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">501,843</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z7DpvC3ULQw6" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>217,837</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zDSGrV0kxYx4" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>45,537</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmWgYQBXwQ67" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>9,176</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zEo8xP8tqxDl" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>272,550</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(212,730)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>82,776</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>337,509</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>207,555</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zz1QRmzL4zT6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>16,879</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_z7YbtLMb9pk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>3,197</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zs83jMJ2UBUe" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>1,662</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zTfabihIP6Sg" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>21,738</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,885</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,711</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,853</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">9,449</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGtFGtjzDEii" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjcXGRmfePoc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zxFOVEY3uoud" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFl5N4N3Y9kj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table above presents the loss allowance considering the change in estimate of recovery and the partial write-off of receivables in arrears for more than 120 days. Due to the change in estimate implemented on June 30, 2022, there was an additional write-off of US$139,436 recognized on that date. The total impact of the change in estimate, through December 31, 2022, was to increase write-offs by US$ 278,560.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 44%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3MJTXIN380k" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>10,532</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVslZa95YLWa" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>7,136</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zw8n0eLolJy3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>8,542</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTVSwzZVXX51" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>26,210</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(780)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">780</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zj6uzr67lzC5" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zN5dPwtvH7kf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">685</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(685)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcDf36FzOvn3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpNfDmMez7Wa" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,212)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(904)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">2,116</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesToStage3Value_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zOeG6Jo6Tan5" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCsnf4vDZC9e" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">16</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">142</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(158)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TransfersChangesFromStage3_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zhgipLo4ku15" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zJJ5TY5JdP4g" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkjSvQApCZli" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(13,223)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(13,223)</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">62,363</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">69,152</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">60,563</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">192,078</span></td></tr> <tr> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zhGu3yAJukBc" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>159,299</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zbPCd1is4Dn3" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>28,281</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zZo8bTyJgYP8" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>6,237</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zBalM3LiyKnb" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>193,817</i></span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(93,269)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DueToExposureChangesAndRiskChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>35,759</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DueToExposureChangesAndRiskChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>54,297</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureChangesAndRiskChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(3,213)</i></span></td></tr> <tr> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zOhXWRqmH6r4" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>(3,667)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zrrGGCioJ367" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>5,112</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zavfAI1cskpi" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>29</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zpZPFRNK1Q96" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>1,474</i></span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(2,678)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--EffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(2,686)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(2,165)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--EffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(7,529)</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zExCWuoqgSDb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zr02ebXZo0Gj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zc9618B3u3Z4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zmGWWkY9EDgh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 47%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfpJOmAlNzOe" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,300</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7WNJEoI3Msj" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,072</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcvj2h4z9Ovi" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,618</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZYVMy0f7Or7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>4,990</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(54)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">54</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zok9lABX0ej2" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z8AwGm22ch4d" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">346</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(346)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zIKBugJbmjsd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zxJ0KqH5hwwk" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(164)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(176)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">340</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesToStage3Value_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zu53J4FcYAh1" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKEBTnATgiR9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">6</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(6)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zViJBhcITiyj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKwRRa44NL41" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z5LrkzF9Ht8l" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--WriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--WriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">9,462</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">6,030</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">11,528</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">27,020</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%; text-indent: 0.25in"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zPU1ugTsxEUa" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>19,354</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zKInYzFYV0Tc" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>2,600</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmyyMDgLuJqi" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>716</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zD6izI5uNUu1" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>22,670</i></span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureChangesAndRiskChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(11,118)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DueToExposureChangesAndRiskChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>3,038</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>10,609</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureChangesAndRiskChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>2,529</i></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%; text-indent: 0.25in"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zgk8WGpQSfO3" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>1,226</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zngoBpTIdNLd" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>392</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zlxThSgABvBd" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>203</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zR0anbWjDg7k" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>1,821</i></span></td></tr> <tr style="background-color: #E9E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--EffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(358)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(504)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(413)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--EffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(1,275)</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfaTV9INL91h" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>10,532</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZhytMavhy14" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>7,136</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmU8U3cUX9p3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>8,542</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZ8BjvWYeDU" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>26,210</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0D_zLWw08RR3zof" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(a)</td> <td id="xdx_F12_zzg25ZjtZCNd" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Considers all accounts originated from the beginning to the end of the period. ECL effects presented in the table were calculated as if risk parameters at the beginning of the period were applied.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F02_zuxPsgfGdMyj" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(b)</td> <td id="xdx_F1C_ze26yZenUfDk" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Relates to methodology changes that occurred during the period, according to the Group's processes of model monitoring.</td></tr> </table> <p id="xdx_8AB_z5n7ZChpk7zk" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables present changes in the gross carrying amount of the lending portfolio to demonstrate the effects of the changes in the loss allowance for the same portfolio as discussed above. “Net change of gross carrying amount” includes acquisitions, payments, and interest accruals.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfNetIncreaseOfGrossCarryingAmountIncludesPrincipalIssuancesNetOfPayments_zAn7EqYRK9cg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 6)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zTCswZnPXwH4" style="display: none">Schedule of Net increase of gross carrying amount includes the principal issuances net of payments or interest recognized net of payment</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 44%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zn4Ht5DIma29" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zle1Coqkyaw3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcL6V2p8uuyj" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z3ZWFTBDw5b5" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(63,015)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">63,015</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMMhIenR8Dje" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5rOWNitBEwb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">31,475</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(31,475)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkpQPHzb5kXi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2uoTCuMcMGa" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(149,355)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(112,901)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">262,256</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMMoAuWGKqpf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">735</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">701</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,436)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCHTgQn2tHTf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGyjLc5Yktp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zl0TOX2fz0oj" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">515,802</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">223,713</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">186,632</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">926,147</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">55,876</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">8,073</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,658</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">66,607</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxwJrarvTxY4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziui6DVsLVYe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zX6b4gE1EUna" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1hPxme77007" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">The table above presents the gross exposure considering the change in estimate of recovery and the partial write-off of receivables in arrears for more than 120 days. Due to the estimate change implemented on June 30, 2022, there was an additional write-off of stage 3 gross amounts of US$139,436 recognized on that date. The total impact of the change in estimate, through December 31, 2022, was to increase write-offs by US$ 278,560.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHaOA9XgQabh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>168,744</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcetAolRaSZe" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>22,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zNZgTXljuye7" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>9,526</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zK3CoXjw5cJg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>200,904</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(8,535)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">8,535</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zT36WseSIPod" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z8u78YLq7eRc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">3,279</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(3,279)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zGVTBi9Z3GQj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZMeKusTDobg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(11,069)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(3,324)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">14,393</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyVx609Msbph" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z11GNsOAxwq8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">18</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(178)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zY9cuqerdj4k" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjelmvaQ90Yb" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfEpMGLa0qw3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(14,676)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(14,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,020,838</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">182,800</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">56,160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,259,798</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(43,753)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(7,486)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(2,437)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(53,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbTldw6lySNe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWVWkRh41QKl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zTEAxdWY5dAe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpaYIxDsBBvl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfk2Nt87bk6e" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>44,513</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKUOEXD0Hoo8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>16,335</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcU36Co6iVV8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z3SVkqtasite" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>63,014</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(1,951)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">1,951</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYnzjBbZGbda" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zb4Wke8kR5vi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">2,621</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(2,621)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4dGFPoltjZh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwRAwZahypz4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(2,997)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,314)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">4,311</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLQUrMSQ35cf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVzR7k6Ny2je" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">8</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(8)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvh95giiygMb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zyWlM8sU3wla" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFgvNi7Ao6dh" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">137,483</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">12,013</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">8,123</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">157,619</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(10,925)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(3,738)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(541)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(15,204)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zz4PpTMD980h" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>168,744</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zddJvXuA3Pv5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>22,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4c8lY1Szic5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>9,526</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIUYuXnAjtTl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>200,904</b></span></td></tr> </table> <p id="xdx_8A2_z6cYwh1eK21c" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2021Q4 | nu |
Total Liabilities
TotalLiabilities
|
2958520000 | usd |
| CY2021 | nu |
Lending To Individuals
LendingToIndividuals
|
1392350000 | usd |
| CY2022 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-300223000 | usd |
| CY2021 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-197536000 | usd |
| CY2022 | nu |
Total Receivables
TotalReceivables
|
1676276000 | usd |
| CY2021 | nu |
Total Receivables
TotalReceivables
|
1194814000 | usd |
| CY2022 | nu |
Fair Value Adjustment Portfolio Hedges
FairValueAdjustmentPortfolioHedges
|
-2836000 | usd |
| CY2021 | nu |
Fair Value Adjustment Portfolio Hedges
FairValueAdjustmentPortfolioHedges
|
-0 | usd |
| CY2022 | nu |
Current Loans And Receivables1
CurrentLoansAndReceivables1
|
1673440000 | usd |
| CY2021 | nu |
Current Loans And Receivables1
CurrentLoansAndReceivables1
|
1194814000 | usd |
| CY2022 | nu |
Breakdown By Maturity
BreakdownByMaturity
|
1976499000 | usd |
| CY2022Q4 | nu |
Breakdown By Maturity Ratio
BreakdownByMaturityRatio
|
1.000 | pure |
| CY2021 | nu |
Breakdown By Maturity
BreakdownByMaturity
|
1392350000 | usd |
| CY2021Q4 | nu |
Breakdown By Maturity Ratio
BreakdownByMaturityRatio
|
1.000 | pure |
| CY2022 | nu |
Disclosure Of Credit Loss Allowance By Stages Explanatory
DisclosureOfCreditLossAllowanceByStagesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--DisclosureOfCreditLossAllowanceByStagesExplanatory_zVDvYlAFn7M6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zjrDUfxJUhI2" style="display: none">Schedule of credit loss allowance by stages</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkrTKnroqnVl" title="Percentage of credit exposure">77</span>.0%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4216FpGyIgh" title="Percentage of loss allowance">25.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGnFJ7pFUk2k" title="Coverage Ratio">5.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znrbVvk6lzNc" title="Percentage of credit exposure">17.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNh8oil7su3l" title="Percentage of loss allowance">49.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3kpiFjVUIK4" title="Coverage Ratio">42.2</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">87,841</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zMsR4qT3s7M7" title="Percentage of credit exposure">25.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">75,612</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zTfOSmImFUE4" title="Percentage of loss allowance">51.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zLQsvEmklS88" title="Coverage Ratio">86.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">263,325</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zYs8P2Sxhd1f" title="Percentage of credit exposure">75.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,621</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zvap6UFvasFc" title="Percentage of loss allowance">49.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zTk9RrujSwH1" title="Coverage Ratio">27.6</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3 (i)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpdfvsv2WOYa" title="Percentage of credit exposure">5.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjUEMmrK3Vtg" title="Percentage of loss allowance">25.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMtj2oYO2nQh" title="Coverage Ratio">72.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zRRL0YXIQKX" title="Percentage of credit exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIp0XMJxhc0i" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkniSAwImFd1" title="Percentage of loss allowance">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjVVrkl6oGDg" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">(i) The table above presents the loans to customers considering the change in estimate of recovery and the partial write-off of receivables in arrears for more than 120 days.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zytNoaoC97La" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIVfbdoRv8h7" title="Percentage of credit exposure">81.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuKx42RCKWU6" title="Percentage of loss allowance">34.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zStbC9zkRtyk" title="Coverage Ratio">6.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z270QBua6w1g" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zekqwchK7U97" title="Percentage of credit exposure">14.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zGsCPSkxnWF4" title="Percentage of loss allowance">36.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zA9QvUa0kt15" title="Coverage Ratio">36.5</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zdCF5KZOjund" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">39,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_z19SL4MKnEPd" title="Percentage of credit exposure">19.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">31,615</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zVLk1m3DiFZ9" title="Percentage of loss allowance">43.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zBidqprSIJWf" title="Coverage Ratio">80.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z0lvZRVH6rij" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">160,530</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z99o2Lm0t0C7" title="Percentage of credit exposure">80.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">41,320</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_z1DbB85vqbdk" title="Percentage of loss allowance">56.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMemberRelativetTriggerPDDeteriorationMember_zFuAoBP90iod" title="Coverage Ratio">25.7</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zV7VMRwTcFVg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcMbJYTz7l08" title="Percentage of credit exposure">4.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkBl9KAhkEB8" title="Percentage of loss allowance">28.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkIx5DlLDZol" title="Coverage Ratio">88.7</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--CreditExposure_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcbelZTFwAff" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDBj0oCrxJJk" title="Percentage of credit exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0PxjMwgGEGk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVrg0BGTpfol" title="Percentage of loss allowance">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zdr76bc8OlI3" title="Coverage Ratio">14.2</span>%</b></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Of Credit Loss Allowance Quality By Stages Explanatory
DisclosureOfCreditLossAllowanceQualityByStagesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--DisclosureOfCreditLossAllowanceQualityByStagesExplanatory_zF3sAKhDOQC1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zacWY7xfEFJ7" style="display: none">Credit loss allowance - by credit quality vs stages</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>832,448</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zyT4mjGNnuMi" title="Credit exposure ratio">42.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>9,344</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zACI5EwyFCx" title="Credit loss ratio">3.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zySGs4zXwxZ" title="Coverage Ratio">1.1</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zK8AgxMsG7L3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">819,605</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zhUkHrI9JFZj" title="Credit exposure ratio">98.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">9,093</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVmGBy9pkTxi" title="Credit loss ratio">97.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7SwidBSVfsg" title="Coverage Ratio">1.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLi8A0lNqsx4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">12,843</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4xxPWnVBixa" title="Credit exposure ratio">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">251</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zhUYAQuWYttf" title="Credit loss ratio">2.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEmE2k3mMNoe" title="Coverage Ratio">2.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>642,099</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zqJzfTLbl8R3" title="Credit exposure ratio">32.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>40,852</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_z0MhYWYNwx8b" title="Credit loss ratio">13.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zR2FtMVbUPg3" title="Coverage Ratio">6.4</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">583,925</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zcrxvpkJmfy3" title="Credit exposure ratio">90.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">36,228</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXvC5ruO7y2f" title="Credit loss ratio">88.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjEFwT2Dszk5" title="Coverage Ratio">6.2</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">58,174</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znReyNWVevI" title="Credit exposure ratio">9.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">4,624</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zf75ms7ImKg" title="Credit loss ratio">11.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z9gbACzn3mmc" title="Coverage Ratio">7.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>501,952</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zp4o5wRqENw7" title="Credit exposure ratio">25.4</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>250,027</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zXs1CNjU1G7c" title="Credit loss ratio">83.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zPYvFKlRFE47" title="Coverage Ratio">49.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">117,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpjM647cLanj" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">31,133</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0PqHkdhk041" title="Credit loss ratio">10.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkqvCrpbb8i4" title="Coverage Ratio">26.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">280,149</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zrg7KHSp5NQf" title="Credit exposure ratio">55.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">143,358</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zTk5abP1YRc" title="Credit loss ratio">47.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4lPyKNsd9nk" title="Coverage Ratio">51.2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">104,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUSv6Wxwmte9" title="Credit exposure ratio">20.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">75,536</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zS6WUiZBzsD8" title="Credit loss ratio">25.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6Rm2yv6ca18" title="Coverage Ratio">72.4</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CreditExposure_iI_pn3n3_c20221231_zoYdA1uusili" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231_zOFv77ewiWol" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231_zrR7UB7Bwkt1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20221231_z9gYXRXkUaW3" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_901_ecustom--CoverageRatio_iI_dp_c20221231_zbuhn4IBUZO8" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross Exposures</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit Loss Allowance</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>424,161</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zb34WE9INqOl" title="Credit exposure ratio">30.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zTycWoQeik2i" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>4,196</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zuRbWIP1aMcj" title="Credit loss ratio">2.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zJ31zrxd58Qc" title="Coverage Ratio">1.0</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">409,899</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUGD8LuPzKJc" title="Credit exposure ratio">96.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpHrE4Qsafo2" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">4,002</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zH0rFM0CZafi" title="Credit loss ratio">95.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjAwSuZvmvkf" title="Coverage Ratio">1.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">14,262</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z9vx6Ch4O1Tj" title="Credit exposure ratio">3.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3upiiuj917g" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">194</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zasTWKmyVSOh" title="Credit loss ratio">4.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90A_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziSuAUfPX2mf" title="Coverage Ratio">1.4</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>700,164</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zTFWi4vLlyYf" title="Credit exposure ratio">50.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zY2PAtcb1dm7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>47,779</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90A_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zQlGeTamzjfl" title="Credit loss ratio">24.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zu9IxIT6s66c" title="Coverage Ratio">6.8</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">656,647</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0OQf9rNszt7" title="Credit exposure ratio">93.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfwQwsqcxJGg" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">44,797</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAzoYbuFoFc" title="Credit loss ratio">93.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1mVC2QacQwg" title="Coverage Ratio">6.8</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">43,517</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlFBauVjkjm9" title="Credit exposure ratio">6.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXTiSq0SMNf4" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">2,982</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zksK6R9k4S19" title="Credit loss ratio">6.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zppFEgeiyWqb" title="Coverage Ratio">6.9</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>268,025</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zs5i1fVHlWE9" title="Credit exposure ratio">19.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zKtyDN8Nccd1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>145,561</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zuYqEZLhbwIf" title="Credit loss ratio">73.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_905_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zB5JkFeQDEyj" title="Coverage Ratio">54.3</span>%</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">62,976</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDw1bQAtlRbi" title="Credit exposure ratio">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoCleRaYp2Xb" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">20,127</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zX87B1R0Nc9" title="Credit loss ratio">13.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90D_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkrd8fJWl2U5" title="Coverage Ratio">32.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">142,261</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXC8mIrcnkpi" title="Credit exposure ratio">53.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztQgoLtbx3z6" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">69,759</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztUzv1b5nktk" title="Credit loss ratio">47.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7jfSDFOl3Z4" title="Coverage Ratio">49.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--CreditExposure_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">62,788</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--CreditExposureRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMV6Ueh5NDR7" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zaAp76Ozpk0d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%">55,675</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--CreditLossRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJoKKKtkMsTi" title="Credit loss ratio">38.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--CoverageRatio_iI_dp_c20211231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zT64rXxHDXmc" title="Coverage Ratio">88.7</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CreditExposure_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20211231_z4OVyuy4BSl8" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_z0bolJchEJof" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_908_ecustom--CreditLossRatio_iI_dp_c20211231_zrGXlgbgiF8j" title="Credit loss ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--CoverageRatio_iI_dp_c20211231_z4Ei342fYoEa" title="Coverage Ratio">14.2</span>%</b></span></td></tr> </table> | |
| CY2022Q4 | ifrs-full |
Credit Exposure
CreditExposure
|
1976499000 | usd |
| CY2022Q4 | nu |
Credit Exposure Ratio
CreditExposureRatio
|
1.000 | pure |
| CY2022 | ifrs-full |
Utilisation Allowance Account For Credit Losses Of Financial Assets
UtilisationAllowanceAccountForCreditLossesOfFinancialAssets
|
300223000 | usd |
| CY2022Q4 | nu |
Credit Loss Ratio
CreditLossRatio
|
1.000 | pure |
| CY2022Q4 | nu |
Coverage Ratio
CoverageRatio
|
0.152 | pure |
| CY2021Q4 | ifrs-full |
Credit Exposure
CreditExposure
|
1392350000 | usd |
| CY2021Q4 | nu |
Credit Exposure Ratio
CreditExposureRatio
|
1.000 | pure |
| CY2021 | ifrs-full |
Utilisation Allowance Account For Credit Losses Of Financial Assets
UtilisationAllowanceAccountForCreditLossesOfFinancialAssets
|
197536000 | usd |
| CY2021Q4 | nu |
Credit Loss Ratio
CreditLossRatio
|
1.000 | pure |
| CY2021Q4 | nu |
Coverage Ratio
CoverageRatio
|
0.142 | pure |
| CY2022 | nu |
Disclosure Schedule Quality Classification Explanatory
DisclosureScheduleQualityClassificationExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureScheduleQualityClassificationExplanatory_zCdWVoR0M6hf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 4)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span id="xdx_8B5_zXNBgEtRGN74" style="display: none">Schedule of Credit Quality Classification</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1 and 2</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage3</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Default grade</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 24%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Probability of default</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit quality description</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade1Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default"><1%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_903_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade2Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">1.0% to 5.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_905_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_90A_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Strong</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade3Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_903_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade4Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">20.0% to 35.0%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfProbabilityOfDefault1_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--Grade5Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member" title="Description of probability default">>35%</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90E_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member" title="Credit quality description">Higher Risk</span></span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_901_ecustom--ProbabilityOfDefault_dp_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zbbkQezz9Yee" title="Probability of default">100</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_900_ecustom--DescriptionOfCreditQuality_c20220101__20221231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member" title="Credit quality description">Higher Risk</span></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Credit Allownace Changes Transfer Stage Explanatory
DisclosureCreditAllownaceChangesTransferStageExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureCreditAllownaceChangesTransferStageExplanatory_zTXs3US9Wdg5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 5)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> <span id="xdx_8BE_zGObZ4eAITCg" style="display: none">Schedule of credit allowance</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zeEQmZYTAZR1" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zK7rQSVJD3Sg" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4whPT6u2Ru7" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFA3mw8gp9dc" style="padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>197,536</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(6,642)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">6,642</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcwNvEsxiM0h" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zK0W0bXBcZe2" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">5,946</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(5,946)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBUDDNQO3fUd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIrqzdLYZgj8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(18,294)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(60,238)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">78,532</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesToStage3Value_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKKKN8OzhKme" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">647</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">619</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,266)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwl41cDkuJyd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3rfDL67lNe9" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zD2ZcscpYLee" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--WriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">21,986</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">131,510</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">348,347</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">501,843</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>New originations (a)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z7DpvC3ULQw6" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>217,837</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zDSGrV0kxYx4" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>45,537</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmWgYQBXwQ67" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>9,176</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zEo8xP8tqxDl" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>272,550</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>(212,730)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>82,776</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>337,509</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt; line-height: 115%"><i>207,555</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zz1QRmzL4zT6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>16,879</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_z7YbtLMb9pk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>3,197</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zs83jMJ2UBUe" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>1,662</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zTfabihIP6Sg" style="padding: 2pt; text-align: right; line-height: 115%" title="Changes to models used in calculation (b)"><span style="font-size: 8pt; line-height: 115%"><i>21,738</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">3,885</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,711</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,853</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">9,449</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGtFGtjzDEii" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjcXGRmfePoc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zxFOVEY3uoud" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFl5N4N3Y9kj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Loss allowance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>300,223</b></span></td></tr> </table> | |
| CY2022 | nu |
Schedule Of Net Increase Of Gross Carrying Amount Includes Principal Issuances Net Of Payments
ScheduleOfNetIncreaseOfGrossCarryingAmountIncludesPrincipalIssuancesNetOfPayments
|
<table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfNetIncreaseOfGrossCarryingAmountIncludesPrincipalIssuancesNetOfPayments_zAn7EqYRK9cg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 6)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zTCswZnPXwH4" style="display: none">Schedule of Net increase of gross carrying amount includes the principal issuances net of payments or interest recognized net of payment</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 44%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zn4Ht5DIma29" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zle1Coqkyaw3" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcL6V2p8uuyj" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z3ZWFTBDw5b5" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(63,015)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">63,015</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMMhIenR8Dje" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5rOWNitBEwb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">31,475</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(31,475)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkpQPHzb5kXi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2uoTCuMcMGa" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(149,355)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(112,901)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">262,256</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMMoAuWGKqpf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">735</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">701</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeTransfersChangesFromStage3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,436)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCHTgQn2tHTf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGyjLc5Yktp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zl0TOX2fz0oj" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(408,605)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">515,802</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">223,713</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">186,632</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">926,147</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">55,876</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">8,073</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">2,658</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">66,607</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxwJrarvTxY4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziui6DVsLVYe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zX6b4gE1EUna" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1hPxme77007" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,976,499</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">The table above presents the gross exposure considering the change in estimate of recovery and the partial write-off of receivables in arrears for more than 120 days. Due to the estimate change implemented on June 30, 2022, there was an additional write-off of stage 3 gross amounts of US$139,436 recognized on that date. The total impact of the change in estimate, through December 31, 2022, was to increase write-offs by US$ 278,560.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHaOA9XgQabh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>168,744</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcetAolRaSZe" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>22,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zNZgTXljuye7" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>9,526</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zK3CoXjw5cJg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>200,904</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(8,535)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">8,535</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zT36WseSIPod" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z8u78YLq7eRc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">3,279</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(3,279)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zGVTBi9Z3GQj" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZMeKusTDobg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(11,069)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(3,324)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">14,393</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyVx609Msbph" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z11GNsOAxwq8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">18</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeTransfersChangesFromStage3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(178)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zY9cuqerdj4k" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjelmvaQ90Yb" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfEpMGLa0qw3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(14,676)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(14,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,020,838</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">182,800</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">56,160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,259,798</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(43,753)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(7,486)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(2,437)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(53,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbTldw6lySNe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,129,522</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWVWkRh41QKl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>200,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zTEAxdWY5dAe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>62,788</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpaYIxDsBBvl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>1,392,350</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfk2Nt87bk6e" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>44,513</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKUOEXD0Hoo8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>16,335</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcU36Co6iVV8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>2,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z3SVkqtasite" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt; line-height: 115%"><b>63,014</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">(1,951)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">1,951</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYnzjBbZGbda" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zb4Wke8kR5vi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">2,621</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">(2,621)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4dGFPoltjZh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwRAwZahypz4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(2,997)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(1,314)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">4,311</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLQUrMSQ35cf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVzR7k6Ny2je" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">8</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(8)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvh95giiygMb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zyWlM8sU3wla" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_d0_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFgvNi7Ao6dh" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(4,525)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">137,483</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">12,013</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">8,123</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">157,619</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(10,925)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(3,738)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(541)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(15,204)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zz4PpTMD980h" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>168,744</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zddJvXuA3Pv5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>22,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4c8lY1Szic5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>9,526</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20200101__20201231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIUYuXnAjtTl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Gross carrying amount at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>200,904</b></span></td></tr> </table> | |
| CY2022 | nu |
Disclosure Of Compulsory And Other Deposits At Central Banks Explanatory
DisclosureOfCompulsoryAndOtherDepositsAtCentralBanksExplanatory
|
<p id="xdx_803_ecustom--DisclosureOfCompulsoryAndOtherDepositsAtCentralBanksExplanatory_zwU5cl917dZ8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">15. <span id="xdx_82F_zZVNEvixceU2">Compulsory and other deposits at central banks</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--CompulsoryAndOtherDepositsAtCentralBanksTableTextBlock_zf6e0XdwpY2d" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Compulsory and other deposits at central banks (Details)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BD_z681Fr0Pjetl" style="display: none">Schedule of compulsory and other deposits at central banks</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20220101__20221231_zdCRBaqM20xh" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20210101__20211231_z39e04jq7548" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--CompulsoryDeposits_pn3n3_zkbuVSjl3KW3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Compulsory deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,026,516</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">819,794</span></td></tr> <tr id="xdx_40B_ecustom--ReserveAtBacen_pn3n3_zzdvyi2IcrS8" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Reserve at BACEN</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">751,503</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">118,865</span></td></tr> <tr id="xdx_402_ecustom--DepositsCentralBanksTotal_pn3n3_zFmR6G6ONC0k" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,778,019</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>938,659</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Compulsory deposits are required by BACEN based on the amount of RDB held by Nu Financeira.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Reserve at BACEN relates to the Instant Payments Account, which is required by BACEN to support instant payment operations.</p> | |
| CY2021Q4 | nu |
Gross Total
GrossTotal
|
4022577000 | usd |
| CY2022 | nu |
Compulsory Deposits
CompulsoryDeposits
|
2026516000 | usd |
| CY2021 | nu |
Compulsory Deposits
CompulsoryDeposits
|
819794000 | usd |
| CY2022 | nu |
Reserve At Bacen
ReserveAtBacen
|
751503000 | usd |
| CY2021 | nu |
Reserve At Bacen
ReserveAtBacen
|
118865000 | usd |
| CY2022 | nu |
Deposits Central Banks Total
DepositsCentralBanksTotal
|
2778019000 | usd |
| CY2021 | nu |
Deposits Central Banks Total
DepositsCentralBanksTotal
|
938659000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Trade And Other Receivables Explanatory
DisclosureOfTradeAndOtherReceivablesExplanatory
|
<p id="xdx_80F_eifrs-full--DisclosureOfTradeAndOtherReceivablesExplanatory_zX4DhJeq7moj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">16. <span id="xdx_82B_ziq8vLo96Ps4">Other Receivables</span></p> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--OtherReceivablesTableTextBlock_zBXvRADLEr8b" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other Receivables (Details)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20220101__20221231_zYgBTwRMSUK7" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20210101__20211231_zub9PczaCk32" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> <span id="xdx_8B5_zVmS2eKPLJ6j" style="display: none">Schedule of other receivables</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--OtherReceivable_pn3n3_zCLDVqiHj04e" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">521,670</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">50,349</span></td></tr> <tr id="xdx_40D_ecustom--OtherReceivableTotal_pn3n3_zuL0V3s9E19i" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>521,670</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>50,349</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other receivables in the amount of US$521,670 (US$50,349 as of December 31, 2021), presented net of expected losses of US$1,064 (US$104 as of December 31, 2021), are related to the acquisition of credit card receivables held by other participants of the credit card network.</p> | |
| CY2022 | nu |
Other Receivable
OtherReceivable
|
521670000 | usd |
| CY2021 | nu |
Other Receivable
OtherReceivable
|
50349000 | usd |
| CY2022 | nu |
Other Receivable Total
OtherReceivableTotal
|
521670000 | usd |
| CY2021 | nu |
Other Receivable Total
OtherReceivableTotal
|
50349000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Other Assets Explanatory
DisclosureOfOtherAssetsExplanatory
|
<p id="xdx_807_eifrs-full--DisclosureOfOtherAssetsExplanatory_zrbebiUdAfga" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">17. <span id="xdx_820_z4rQo0yOFUeb">Other assets</span></p> <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--DisclosureOfOtherAssetsTableTextBlock_zxjzq9tVEjTb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other assets (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zK3TtEq9MZf2" style="display: none">Schedule of Other Assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20221231_zdIQExTCQdx3" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20211231_zgri5v44iE2l" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40A_ecustom--DeferredExpensesI_iI_pn3n3_maOAzxEZ_zyheC0yfumyj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_F45_zpXXULCAaPzc" style="font-size: 8pt; line-height: 115%">Deferred expenses (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">157,439</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">76,183</span></td></tr> <tr id="xdx_40F_ecustom--TaxesRecoverable_iI_pn3n3_maOAzxEZ_zUG2k0OxOCTe" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Taxes recoverable</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">245,967</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">71,865</span></td></tr> <tr id="xdx_40A_ecustom--AdvancesToSuppliersAndEmployees_iI_pn3n3_maOAzxEZ_zUi5NscjMkcl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Advances to suppliers and employees</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,662</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">23,958</span></td></tr> <tr id="xdx_40B_ecustom--PrepaidExpenses_iI_pn3n3_maOAzxEZ_z2ZtxlgADmA3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Prepaid expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">61,744</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">15,958</span></td></tr> <tr id="xdx_407_ecustom--JudicialDepositsNote21_iI_pn3n3_maOAzxEZ_z8rAmDX7Bzhe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Judicial deposits (note 23)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,864</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,480</span></td></tr> <tr id="xdx_409_ecustom--OtherAssets1_iI_pn3n3_maOAzxEZ_zwx7bgJuWd35" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">35,227</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27,471</span></td></tr> <tr id="xdx_400_ecustom--OtherAsset_iI_pn3n3_mtOAzxEZ_zDW72SChsHre" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>541,903</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>232,915</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F01_z40WAcj47lAj" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F18_zcVv1wMdWXo3" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Refers to credit card issuance costs, including printing, packing, and shipping costs, among others. The expenses are amortized based on the card's useful life, adjusted for any cancellations.</td></tr> </table> <p id="xdx_8AE_z96djtudWn71" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2022Q4 | nu |
Deferred Expenses I
DeferredExpensesI
|
157439000 | usd |
| CY2021Q4 | nu |
Deferred Expenses I
DeferredExpensesI
|
76183000 | usd |
| CY2022Q4 | nu |
Taxes Recoverable
TaxesRecoverable
|
245967000 | usd |
| CY2021Q4 | nu |
Taxes Recoverable
TaxesRecoverable
|
71865000 | usd |
| CY2022Q4 | nu |
Advances To Suppliers And Employees
AdvancesToSuppliersAndEmployees
|
22662000 | usd |
| CY2021Q4 | nu |
Advances To Suppliers And Employees
AdvancesToSuppliersAndEmployees
|
23958000 | usd |
| CY2022Q4 | nu |
Prepaid Expenses
PrepaidExpenses
|
61744000 | usd |
| CY2021Q4 | nu |
Prepaid Expenses
PrepaidExpenses
|
15958000 | usd |
| CY2022Q4 | nu |
Judicial Deposits Note21
JudicialDepositsNote21
|
18864000 | usd |
| CY2021Q4 | nu |
Judicial Deposits Note21
JudicialDepositsNote21
|
17480000 | usd |
| CY2022Q4 | nu |
Other Assets1
OtherAssets1
|
35227000 | usd |
| CY2021Q4 | nu |
Other Assets1
OtherAssets1
|
27471000 | usd |
| CY2022Q4 | nu |
Other Asset
OtherAsset
|
541903000 | usd |
| CY2021Q4 | nu |
Other Asset
OtherAsset
|
232915000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Derivative Financial Instruments Explanatory
DisclosureOfDerivativeFinancialInstrumentsExplanatory
|
<p id="xdx_807_eifrs-full--DisclosureOfDerivativeFinancialInstrumentsExplanatory_z90HNiSCFKb8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">18. <span id="xdx_827_zJTVzUjatx4">Derivative financial instruments</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group executes transactions with derivative financial instruments, which are intended to meet its own needs to reduce its exposure to market, currency and interest-rate risks. The derivatives are classified as at fair value through profit or loss, except those in cash flow hedge accounting strategies, for which the effective portion of gains or losses on derivatives is recognized directly in other comprehensive income (loss). The management of these risks is conducted through determining limits, and the establishment of operating strategies. The derivative contracts are considered level 1, 2 or 3 in the fair value hierarchy and are used to hedge exposures, but hedge accounting is adopted only for forecasted transactions related to the cloud infrastructure and certain software licenses used by Nu (hedge of foreign currency risk), to hedge interest of the fixed rate credit portfolio (hedge of interest rate risk of portfolio) and to hedge the future cash disbursement related to highly probable future transactions and accrued liabilities for corporate and social security taxes at RSU vesting or SOP exercise, as shown below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--TheBreakdownOfTheNotionalAndorContractualValuesAndTheFairValueOfDerivativesHeldForTradingTableTextBlock_zfMKcjiN3h33" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zdkNdMzcjfDa" style="display: none">Schedule of derivative contracts are considered level 1, 2 or 3 in the fair value hierarchy and are used to hedge exposures</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair values</b></span></td></tr> <tr> <td style="padding: 2pt; width: 64%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Notional amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liabilities</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Derivatives classified as fair value through profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zT5RyFGuAj99" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">792,559</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zmgxwwJgHVHg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">27</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_za5ZWbcnvtXf" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">105</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zlZSfC3nsVWi" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">111,634</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zpEftLYB7q15" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">917</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zpjmVopACpha" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">51</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zFeQKQniR419" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">10,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_z142PJ3zAYXg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">50</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zqySaPeTO6ad" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Currency - Non-deliverable forward contract (NDF)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zDTitJERayig" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">113,682</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zymnfKiosDZh" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">11,228</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zF7uY0cBEiCg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">24</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_ziDPK2Rfyvda" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">100,000</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zenw92WpfGo" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">27,908</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_ztWZ2QT0YkSf" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Derivatives held for hedging</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Designated as cash flow hedge</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--NotionalAmount_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">129,459</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zOl0GnuQ9HMd" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">1,209</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--FinancialLiabilities_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">182</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--NotionalAmount_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">89,726</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--FinancialAssetsAtFairValue_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">145</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--FinancialLiabilities_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">9,017</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Designated as portfolio hedge</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_z4Xn7QJT8gUg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">1,551,521</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_z8QZPtj9xQFd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">1</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zKerVklsZL9a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">46</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--NotionalAmount_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%"><b>2,898,637</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--FinancialAssetsAtFairValue_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><b>41,485</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--FinancialLiabilities_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>9,425</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair values</b></span></td></tr> <tr> <td style="padding: 2pt; width: 64%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Notional amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liabilities</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Derivatives classified as fair value through profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zhaXsLz8cgbc" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">3,671,709</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_z6VObT6cVHd6" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">10</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zbjtRwg8drq6" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">462</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Currency exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zMtcl1PKgqFa" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">116,075</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_d0_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_ziHQeoik6gS3" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_z7uppa3UzYQ5" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">3,899</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zXEJZYijIIB7" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">9,523</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zbiTr7Kd80pd" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">24</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_z3nJCin2zs7h" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">7</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forward contracts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__ifrs-full--ForwardContractMember_z5m3pXpnZYv2" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">83,155</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__ifrs-full--ForwardContractMember_zbYtv6NDPQWg" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">81,528</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__ifrs-full--ForwardContractMember_z7qdPHU52OF2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">82,775</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zIN5qXt9UMtj" style="padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">65,000</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zLt7NV5cAPG1" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">19,756</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20211231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zOOeI4rEQIkj" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Derivatives held for hedging</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Designated as cash flow hedge</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zGZlucU1CPf3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%">77,115</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_d0_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_z9km6eBvdAab" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zdk1hqSKNzm9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%">135</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--NotionalAmount_iI_pn3n3_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember_zKX5uBfgrkdb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Notional amount"><span style="font-size: 8pt; line-height: 115%"><b>4,022,577</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zLnjth2EmYLb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial assets, at fair value"><span style="font-size: 8pt; line-height: 115%"><b>101,318</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zropvQJBCyv4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>87,278</b></span></td></tr> </table> <p id="xdx_8A1_zYdod9EZthvb" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Futures contracts are traded on the B3, having B3 as the counterparty. The total value of margins pledged by the Group in transactions on the stock exchange is presented in note 12.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Swaps of interest risk contracts are settled on a daily basis and are traded over the counter with financial institutions as counterparties.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Holdings entered into non-deliverable forward contracts to hedge intercompany loans with Nu Colombia in US dollars with a settlement in February 2023.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Swap TRS contracts are settled only at maturity and are traded over the counter with financial institutions as counterparties, see more details in item d.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>(i) Warrants</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In September 2021, Nu entered into an agreement with Creditas Financial Solutions Ltd. (and/or its affiliates in Latin America, or together, “Creditas”) through which Nu will distribute certain financial products offered by Creditas to its customers in Latin America. These include affordable retail collateralized loans, such as home and auto equity loans, auto financing, motorcycle financing and payroll loans.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The agreement also provided that Nu would invest up to US$200,000 in Creditas’ securitization vehicles, becoming the holder of the senior quotas of the fund. Nu was granted warrants that provide the right to acquire an equity interest equivalent to up to 7.7% of Creditas, on a fully diluted basis, under a pre-agreed valuation, proportional to fifty percent of the amount invested in the securitization vehicles and products distributed. During 2022, the total amount agreed of US$200,000 was invested in the securitization vehicles, shown as part of the “investment funds” on note 12, and, consequently, US$100,000 was shown as notional in the table above. Nu can exercise the option at any time, but the expiration date is 2 years after the issuance date.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, the warrants' fair value was US$27,908 (US$19,756 as of December 31, 2021) calculated using a Black Scholes model, classified as level 3 on the fair value hierarchy, as shown in note 26. The Company recognized a gain of US$8,152 during 2022.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Breakdown by maturity</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows the breakdown by maturity of the notional amounts:</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--DisclosureDerivativeFinancialLiabilitiesThatWillBeSettledAtNetValueTableTextBlock_zjKOqMs8zw79" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_ztYyizPyF8df" style="display: none">Schedule of breakdown by maturity of the notional amounts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zVr5hIoPHsO4" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zoPmBwsRAzhl" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zlULXGOAvlYa" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20221231_zwR9T0pz9Bek" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--InterestRateContractsFutureAssets_iI_pn3n3_z8TDdNeFthTd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">332,497</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">73,286</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">348</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">406,131</span></td></tr> <tr id="xdx_403_ecustom--OtherExchangeRateContractsFutureAssets_iI_pn3n3_d0_za0ICxSbXNj7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">241,093</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">241,093</span></td></tr> <tr id="xdx_404_ecustom--InterestRateContractsSwapAssets_iI_pn3n3_d0_zIb7s8HhvXpe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,056</span></td></tr> <tr id="xdx_40C_ecustom--CurrencyNondeliverableForwardContractNdfAssets_iI_pn3n3_d0_zY5GcuXcLAC5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Currency - Non-deliverable forward contract (NDF)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">113,682</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">113,682</span></td></tr> <tr id="xdx_40E_ecustom--OtherWarrantsAssets_iI_pn3n3_d0_z2wM1It7pEX1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">100,000</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">100,000</span></td></tr> <tr id="xdx_40B_ecustom--TotalAssets_iI_pn3n3_zbHwhaObOiM1" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>687,272</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>73,286</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>110,404</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>870,962</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40A_ecustom--EquityTotalReturnSwapTrsLibilities_iI_pn3n3_z1SFJJ1J4Lfj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4863">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">89,726</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4865">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">89,726</span></td></tr> <tr id="xdx_401_ecustom--InterestRateContractsFutureLibilities2_iI_pn3n3_zH7u4u1DEprk" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27,776</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">256,240</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">102,412</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">386,428</span></td></tr> <tr id="xdx_408_ecustom--DiFutureLibilities_iI_pn3n3_zplfU0lfhnFe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">590,015</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">858,278</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">103,228</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,551,521</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities_iI_pn3n3_zfZvfn7w4Ar" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>617,791</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,204,244</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>205,640</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,027,675</b></span></td></tr> <tr id="xdx_40E_ecustom--GrossTotal_iI_pn3n3_zUHGL5GImRq5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,305,063</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,277,530</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>316,044</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,898,637</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zLrmDmA9BZY2" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_492_20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zCpsxu31ykHk" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zloMaMQmz0Y5" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20211231_zNjN7iMCFTZg" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--InterestRateContractsFutureAssets_iI_pn3n3_zRT8BnolR1K3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">775,002</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24,755</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">71</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">799,828</span></td></tr> <tr id="xdx_40A_ecustom--OtherExchangeRateContractsFutureAssets_iI_pn3n3_d0_zfEYwq8ZWfM" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">116,074</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">116,074</span></td></tr> <tr id="xdx_401_ecustom--ForwardContractsAssets_iI_pn3n3_d0_zksxFp9xF45g" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forward contracts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">83,155</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">83,155</span></td></tr> <tr id="xdx_409_ecustom--OtherWarrantsAssets_iI_pn3n3_d0_zNqwg7LYLnTg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">65,000</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">65,000</span></td></tr> <tr id="xdx_407_ecustom--TotalAssets_iI_pn3n3_zQ9oZvJp13Ri" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>974,231</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>24,755</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>65,071</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,064,057</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_ecustom--InterestRateContractsFuture_iI_pn3n3_zVhHnBE2gsni" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,668,284</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">864,989</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">338,609</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,871,882</span></td></tr> <tr id="xdx_40B_ecustom--ExchangeRateContractsFuture_iI_pn3n3_d0_zcu1gy60xrj3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">77,115</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">77,115</span></td></tr> <tr id="xdx_404_ecustom--InterestRateContractsSwap_iI_pn3n3_d0_zGcsukcNDKaj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,523</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,523</span></td></tr> <tr id="xdx_40C_ecustom--TotalLiabilities_iI_pn3n3_z2Oiz9CzwX9d" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,745,399</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>864,989</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>348,132</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,958,520</b></span></td></tr> <tr id="xdx_408_ecustom--GrossTotal_iI_pn3n3_zqpiT3NaXYhj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,719,630</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>889,744</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>413,203</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,022,577</b></span></td></tr> </table> <p id="xdx_8AA_zEctD1bLnLZh" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows the breakdown by maturity of the fair value amounts:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--DisclosureOfDerivativeFinancialLiabilitiesThatWillBeSettledAtFairValueTableTextBlock_zWtwkpPovkY9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zWcwlFhTmVsf" style="display: none">Schedule of breakdown by maturity of the fair value amounts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zriHnTa5W7h4" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_493_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zCPQhYRYd4d8" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20221231_zN6gbK8OPm0l" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 64%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--EquityTotalReturnSwapTrs_iI_pn3n3_zO7CEhP8YUok" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">145</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4941">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">145</span></td></tr> <tr id="xdx_402_ecustom--InterestRateContractsSwaps_iI_pn3n3_zyQoagSbHCV7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4944">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">50</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">50</span></td></tr> <tr id="xdx_404_ecustom--OtherInterestRateContractsFuture1_iI_pn3n3_zVrqkX8sTHp3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4949">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27</span></td></tr> <tr id="xdx_407_ecustom--ExchangeRateContractsFuture1_iI_pn3n3_ztruFBv6uGt7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,126</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4953">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,126</span></td></tr> <tr id="xdx_40A_ecustom--CurrencyNondeliverableForwardContract_iI_pn3n3_zjfLIwuA5Cg6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Currency - Non-deliverable forward contract (NDF)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">11,228</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4957">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">11,228</span></td></tr> <tr id="xdx_40F_ecustom--WarrantsAssets_iI_pn3n3_z7sWaQYRyUig" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4960">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27,908</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">27,908</span></td></tr> <tr id="xdx_407_ecustom--InterestRateContractsFuturePortfolioHedge_iI_pn3n3_z4tlhCks0iI9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future - portfolio hedge</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4965">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1</span></td></tr> <tr id="xdx_401_ecustom--TotalMaturityAssets_iI_pn3n3_zln9gPLHYwni" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>13,527</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>27,958</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>41,485</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--EquityTotalReturnSwap_iI_pn3n3_zWyyALcJBT86" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,017</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4973">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,017</span></td></tr> <tr id="xdx_40B_ecustom--InterestRateContractsFutureLiabilities1_iI_pn3n3_zWggdg7FzXJf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">88</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">105</span></td></tr> <tr id="xdx_40D_ecustom--ExchangeRateContractsFutureLiabilities1_iI_pn3n3_zpi60y2X7jI7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">233</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4981">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">233</span></td></tr> <tr id="xdx_407_ecustom--CurrencyNondeliverableForwardContractLiabilities1_iI_pn3n3_zkxsEIJp5ho1" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Currency - Non-deliverable forward contract (NDF)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4985">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24</span></td></tr> <tr id="xdx_400_ecustom--DiFutureLiabilities1_iI_pn3n3_zGevgBG7ttu7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">46</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4989">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">46</span></td></tr> <tr id="xdx_405_ecustom--TotalLiabilities1_iI_pn3n3_zEVhWXreKeq9" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,337</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>88</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,425</b></span></td></tr> <tr id="xdx_403_ecustom--TotalMaturity1_iI_pn3n3_zmgtpQynzUBd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22,864</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>28,046</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>50,910</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zAbz0IfsEm6i" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zzX3GmMnSB5d" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20211231_zAp27bW1JIqd" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 64%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--OtherInterestRateContractsFuture1_iI_pn3n3_z7swtugW5w81" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10</span></td></tr> <tr id="xdx_407_ecustom--ExchangeRateContractsFuture1_iI_pn3n3_zIii4lnBxsvf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5005">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">24</span></td></tr> <tr id="xdx_40A_ecustom--ForwardContracts1_iI_pn3n3_zBEwEnHk3Sud" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forward contracts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">81,528</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5009">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">81,528</span></td></tr> <tr id="xdx_403_ecustom--WarrantsAssets_iI_pn3n3_zZZumoml2RH7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Warrants</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5012">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">19,756</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">19,756</span></td></tr> <tr id="xdx_401_ecustom--TotalMaturityAssets_iI_pn3n3_zenik2RZa1Z9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>81,554</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>19,764</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>101,318</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Liabilities</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40E_ecustom--InterestRateContractsFutureLiabilities1_iI_pn3n3_zWtuDWxdfy9i" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">69</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">393</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">462</span></td></tr> <tr id="xdx_40F_ecustom--ExchangeRateContractsFutureLiabilities1_iI_pn3n3_zSQZ5tWdxbxj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Exchange rate contracts - Future</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,034</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5025">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,034</span></td></tr> <tr id="xdx_408_ecustom--InterestRateContractsSwap1_iI_pn3n3_zgsofNKovNNd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest rate contracts - Swap</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5028">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7</span></td></tr> <tr id="xdx_409_ecustom--ForwardContractsLiabilities_iI_pn3n3_z6ok2SWUqr8k" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Forward contracts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">82,775</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5033">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">82,775</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities1_iI_pn3n3_zvTlJrsa7j54" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>86,878</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>400</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>87,278</b></span></td></tr> <tr id="xdx_407_ecustom--TotalMaturity1_iI_pn3n3_zqop5howQsRk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>168,432</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>20,164</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>188,596</b></span></td></tr> </table> <p id="xdx_8A9_zUaNItp7Lik2" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Analysis of derivatives designated as hedges</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>a) Hedge of foreign currency risk</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group is exposed to foreign currency risk on forecast transaction expenses, primarily related to the cloud infrastructure and certain software licenses used by Nu. The Group managed its exposures to the variability in cash flows of foreign currency forecasted transactions to movements in foreign exchange rates by entering foreign exchange contracts (exchange futures). These instruments are entered into to match the cash flow profile of the estimated forecast transactions, and are exchange-traded and fair value movements are settled on a daily basis.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group applies hedge accounting to the forecasted transactions related to its main cloud infrastructure contract and other expenses in foreign currency. The effectiveness is assessed monthly by analyzing the critical terms. The critical terms of the hedging instrument and the amount of the forecasted hedged transactions are significantly the same. Derivatives are generally rolled over monthly. They are expected to occur in the same fiscal month as the maturity date of the hedging instrument. Therefore, the hedge is expected to be effective. Subsequent assessments of effectiveness are performed by verifying and documenting whether the critical terms of the hedging instrument and forecasted hedged transaction have changed during the period in review and whether it remains probable. If there are no such changes in critical terms, the Group will continue to conclude that the hedging relationship is effective. Sources of ineffectiveness are differences in the amount and timing of forecast and actual payment of expenses.</p> <table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfForecastAndActualPaymentOfExpenses_zEUsr8krRfc6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_zqoL9fwdLPX6" style="display: none">Schedule of forecast and actual payment of expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20220101__20221231_zezB1ebeKA1g" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20210101__20211231_zhQuJMwuRPBi" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20200101__20201231_z5fWEKQTocbi" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 64%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--ForecastAndActualPaymentOfExpenses_iS_pn3n3_zSIlTirSMBIi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,487</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>49</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td></tr> <tr id="xdx_40F_ecustom--FairValueChangeRecognizedInOciDuringYear_pn3n3_z8XZRppZwMY5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value change recognized in OCI during the year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(20,924)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,705</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,302</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear_pn3n3_zB8DVQdCPnRe" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total amount reclassified from cash flow hedge reserve to statement of profit or loss during the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>14,012</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(242)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(8,223)</b></span></td></tr> <tr id="xdx_40D_ecustom--CustomerSupportAndOperation_pn3n3_zvmWQq2D8cW6" style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>to "Customer support and operation"</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>6,769</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(91)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(5,480)</i></span></td></tr> <tr id="xdx_40A_ecustom--GeneralAndAdministrativeExpense2_pn3n3_zKzhenhpIGgj" style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>to "General and administrative expenses"</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>7,778</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(136)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(4,925)</i></span></td></tr> <tr id="xdx_40C_ecustom--EffectOfChangesInExchangeRatesOci_pn3n3_zs5H08cGcUVk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(535)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(15)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,182</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr id="xdx_409_eifrs-full--DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_pn3n3_zMsylK4qr0ce" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Deferred income taxes</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,815</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,025)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(31)</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--ForecastAndActualPaymentOfExpenses_iE_pn3n3_zfOr48ghlsFl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(2,610)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,487</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>49</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The future transactions that are the object of the hedge are:</p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfMaterialFutureTransactions_za1jZfPIphee" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 4)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B8_zWJVllLbCxId" style="display: none">Schedule of material future transactions</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z5BML0hpQS5i" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zDr8cONudD3b" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20221231_zTCUs1gsEs9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20211231_zOi9Ae2vafA" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr id="xdx_40A_ecustom--ExpectedForeignCurrencyTransactions_iI_pn3n3_zaIpDP8ekFHg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Expected foreign currency transactions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">64,840</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">64,619</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">129,459</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">78,401</span></td></tr> <tr id="xdx_404_ecustom--TotalExpectedForeignCurrencyTransactions_iI_pn3n3_zTCmjMeg8Wv6" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,840</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,619</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>129,459</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>78,401</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b><i> </i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>b) Hedge of portfolio's interest rate risk </i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group holds portfolios of customers’ lending and refinancing of credit cards receivables at fixed interest rates, which creates market risk due to changes in the Brazilian interbank deposits’ (CDI) benchmark rate. Thus, to protect the fixed rate risk from CDI variation, the Group entered into future DI contracts to offset the market risk, and applied hedge accounting aiming to eliminate differences between the accounting measurement of its derivatives and hedged items which are adjusted to reflect changes in CDI.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s overall hedging strategy is to reduce fair value changes of the part of the fixed rate portfolio as if they were floating rate instruments linked to the attributable benchmark rates. As such, in order to reflect the dynamic nature of the hedged portfolio, the strategy is to rebalance the future DI contracts and evaluate the allocated amount by the credit portfolio. Additionally, ineffectiveness could arise from the disparity between expected and actual prepayments (prepayment risk).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In accordance with its hedging strategy, the Group calculates the DV01 (delta value of a basis point<span style="color: #202124; background-color: white">) </span>of the exposure and futures to identify the optimal hedging ratio, and monitors in a timely manner the hedge relationship, providing any rebalancing if needed. The need for the purchase or sale of new future DI contracts will be assessed, to counterbalance the hedged item’s market value adjustment, aiming to assure hedge effectiveness between <span id="xdx_900_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__ifrs-full--RangeAxis__ifrs-full--BottomOfRangeMember_zJVd0qiSc3Sh" title="Derivative hedge percentage">80</span>% and <span id="xdx_902_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__ifrs-full--RangeAxis__ifrs-full--TopOfRangeMember_zK6enq6XMW82" title="Derivative hedge percentage">125</span>%, as determined on hedge documentation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The effectiveness test for the hedge is done in a prospective and retrospective way. In the prospective test, the Group compares the impact of a 1 basis point parallel shift on the interest rate curve (DV01) on the hedged object and on the hedge instrument market value. For the retrospective test, the market-to-market value change since the inception of the hedged object is compared to the hedge instrument. In both cases, the hedge is considered effective if the correlation is between 80% and 125%.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For designated and qualifying fair value hedges, the cumulative change in the fair value of the hedging derivative and of the hedged item attributable to the hedged risk is recognized in the consolidated statement of profit or loss in "Interest income and gains (losses) on financial instruments - financial assets at fair value". In addition, the cumulative change in the fair value of the hedged item attributable to the hedged risk is recorded as part of the carrying value of the hedged item in the consolidated statement of financial position.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Effectiveness ratio - changes in fair value</i></b></p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--DisclosureOfEffectivenessRatioChangesInFairValueTableTextBlock_zdsGsCrcT2Sb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 5)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_zC2SfUN5kYdd" style="display: none">Schedule of changes in fair value</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td rowspan="2" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Derivative object</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>hedge</b></p></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value adjustment to the</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>hedge object</b></p></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Derivative hedge instrument</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Asset</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Liability</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Fair value variation</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Effectiveness</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 49%; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Interest rate risk</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 9%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 9%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 9%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 9%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 10%; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Interest rate contracts - Future - portfolio hedge - credit card</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zhNdhRKsSjcb" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative object hedge"><span style="font-size: 7.5pt; line-height: 115%">72,337</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zbDCWjuMUb5c" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value adjustment to the hedge object asset"><span style="font-size: 7.5pt; line-height: 115%">(51)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zrogKzqZ0Vdb" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative hedge instrument fair value variation"><span style="font-size: 7.5pt; line-height: 115%">22</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_903_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zXoLDcx2tUmd" title="Derivative hedge instrument effectiveness percentage">101.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Interest rate contracts - Future - portfolio hedge - loan</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zVLI63G17tij" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Derivative object hedge"><span style="font-size: 7.5pt; line-height: 115%">1,189,716</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zuVk8CUr5ur7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Fair value adjustment to the hedge object asset"><span style="font-size: 7.5pt; line-height: 115%">(2,836)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zYTMvupri6Qg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Derivative hedge instrument fair value variation"><span style="font-size: 7.5pt; line-height: 115%">2,062</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_90A_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_z5HyZ3tCQTx5" title="Derivative hedge instrument effectiveness percentage">99.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231_zyQDaF8IvWwg" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative object hedge"><span style="font-size: 7.5pt; line-height: 115%"><b>1,262,053</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231_zjp1EUqmUz99" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value adjustment to the hedge object asset"><span style="font-size: 7.5pt; line-height: 115%"><b>(2,887)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231_z2otYsyxCjH9" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative hedge instrument fair value variation"><span style="font-size: 7.5pt; line-height: 115%"><b>2,084</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> </table> <p id="xdx_8A6_zdeSzLHdLz59" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b><i> </i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; text-align: justify"><b><i>c) Hedge of <span style="color: #1D1C1D">corporate and social security taxes </span>over share-based compensation</i></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; text-align: justify">The Group's hedge strategy is to cover the future cash disbursement related to highly probable future transactions and accrued liabilities for corporate and social security taxes at RSU vesting or SOP exercise from the variation of the Company's share price volatility. The derivative financial instruments used to cover the exposure are total return swaps ("TRS") in which one leg is indexed to the Company's stock price and the other leg is indexed to Secured Overnight Financing Rate ("SOFR") plus spread. The stock fixed at the TRS is a weighted average price. The hedge was entered into by Nu Holdings and therefore there is no income tax effect.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; text-align: justify">The Group applies the cash flow hedge for the hedge structure thus the market risk is replaced by an interest rate risk. The effectiveness assessment is performed monthly by (i) assessing the economic relationship between the hedged item and the hedging instrument; (ii) monitoring the credit risk impact in the hedge effectiveness; and (iii) maintaining and updating the hedging ratio. Given the possibility of forfeiture impacting the future cash forecast of the employee benefit plan, the Group manages exposures to keep the hedging level within an acceptable coverage. The derivative fair value is measured substantially based on the stock price which is also used in the measurement of the provision or payment for corporate and social security taxes. There is no expectation for a mismatch between the hedged item and hedging instrument at maturity other than the SOFR.</p> <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--ScheduleOfHedgeOfCorporateAndSocialSecurityTaxesOverShareBasedCompensationTableTextBlock_zvqOV8CrW5Oi" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 6)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_zNZWLZ1YVKN5" style="display: none">Schedule of Hedge of corporate and social security taxes over share-based compensation</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20220101__20221231_zbhYXeMHVPL7" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 85%; text-align: left; line-height: 115%"/> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40F_eifrs-full--DerivativeFinancialLiabilitiesHeldForHedging_iS_pn3n3_zSLKGG8p5mk7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5122">-</span></b></span></td></tr> <tr id="xdx_40E_ecustom--FairValueChangeRecognizedInOciDuringYear1_pn3n3_zY9j97Gm7v2" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value change recognized in OCI during the year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(8,871)</span></td></tr> <tr id="xdx_40E_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToStatementOfProfitOrLossDuringYear_pn3n3_zpHGk5hSKSpd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total amount reclassified from cash flow hedge reserve to statement of profit or loss during the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,995</b></span></td></tr> <tr id="xdx_405_ecustom--GeneralAndAdministrativeExpense3_pn3n3_z0GDnES0wdm8" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">to "General and administrative expenses" <span id="xdx_F40_zO5NMDqxO1mh">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,995</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_eifrs-full--DerivativeFinancialLiabilitiesHeldForHedging_iE_pn3n3_zsUifRe7kBi" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(4,876)</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 8pt"> <tr style="vertical-align: top"> <td id="xdx_F00_zVm1Nv811Oll" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F19_zYHiz6g6VwRd" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Presented as share-based compensation on general and administrative expenses.</td></tr> </table> <p id="xdx_8AB_zVwiFBtvyGf3" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Expected cash disbursement</i></b></p> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--ScheduleOfExpectedCashDisbursementTableTextBlock_zQpEedP1y971" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 7)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B5_zeLQsQbGU18b" style="display: none">Schedule of expected cash disbursement</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zsYWZhuMedb9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanThreeYearsMember_zkxrHcHU5FA1" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanFiveYearsMember_zxYPGw3gjoXb" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20221231_zbVraMxlr3Bk" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 1 year</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1 to 3 years</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Above 3 years</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr id="xdx_40C_ecustom--ExpectedCashDisbursementForIncomeTaxPayments_iI_pn3n3_zs94rlF7VWLg" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Expected cash disbursement for income tax payments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,727</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">28,359</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,972</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">59,058</span></td></tr> <tr id="xdx_409_ecustom--TotalExpectedCash_iI_pn3n3_z8xw2SJm3Y3d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22,727</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>28,359</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>7,972</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>59,058</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022Q4 | nu |
Interest Rate Contracts Future Assets
InterestRateContractsFutureAssets
|
406131000 | usd |
| CY2022Q4 | nu |
Other Exchange Rate Contracts Future Assets
OtherExchangeRateContractsFutureAssets
|
241093000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Swap Assets
InterestRateContractsSwapAssets
|
10056000 | usd |
| CY2022Q4 | nu |
Currency Nondeliverable Forward Contract Ndf Assets
CurrencyNondeliverableForwardContractNdfAssets
|
113682000 | usd |
| CY2022Q4 | nu |
Other Warrants Assets
OtherWarrantsAssets
|
100000000 | usd |
| CY2022Q4 | nu |
Total Assets
TotalAssets
|
870962000 | usd |
| CY2022Q4 | nu |
Equity Total Return Swap Trs Libilities
EquityTotalReturnSwapTrsLibilities
|
89726000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Future Libilities2
InterestRateContractsFutureLibilities2
|
386428000 | usd |
| CY2022Q4 | nu |
Di Future Libilities
DiFutureLibilities
|
1551521000 | usd |
| CY2022Q4 | nu |
Total Liabilities
TotalLiabilities
|
2027675000 | usd |
| CY2022Q4 | nu |
Gross Total
GrossTotal
|
2898637000 | usd |
| CY2021Q4 | nu |
Interest Rate Contracts Future Assets
InterestRateContractsFutureAssets
|
799828000 | usd |
| CY2021Q4 | nu |
Other Exchange Rate Contracts Future Assets
OtherExchangeRateContractsFutureAssets
|
116074000 | usd |
| CY2021Q4 | nu |
Forward Contracts Assets
ForwardContractsAssets
|
83155000 | usd |
| CY2021Q4 | nu |
Other Warrants Assets
OtherWarrantsAssets
|
65000000 | usd |
| CY2021Q4 | nu |
Total Assets
TotalAssets
|
1064057000 | usd |
| CY2021Q4 | nu |
Interest Rate Contracts Future
InterestRateContractsFuture
|
2871882000 | usd |
| CY2021Q4 | nu |
Exchange Rate Contracts Future
ExchangeRateContractsFuture
|
77115000 | usd |
| CY2021Q4 | nu |
Interest Rate Contracts Swap
InterestRateContractsSwap
|
9523000 | usd |
| CY2022Q4 | nu |
Equity Total Return Swap Trs
EquityTotalReturnSwapTrs
|
145000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Swaps
InterestRateContractsSwaps
|
50000 | usd |
| CY2022Q4 | nu |
Other Interest Rate Contracts Future1
OtherInterestRateContractsFuture1
|
27000 | usd |
| CY2022Q4 | nu |
Exchange Rate Contracts Future1
ExchangeRateContractsFuture1
|
2126000 | usd |
| CY2022Q4 | nu |
Currency Nondeliverable Forward Contract
CurrencyNondeliverableForwardContract
|
11228000 | usd |
| CY2022Q4 | nu |
Warrants Assets
WarrantsAssets
|
27908000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Future Portfolio Hedge
InterestRateContractsFuturePortfolioHedge
|
1000 | usd |
| CY2022Q4 | nu |
Total Maturity Assets
TotalMaturityAssets
|
41485000 | usd |
| CY2022Q4 | nu |
Equity Total Return Swap
EquityTotalReturnSwap
|
9017000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Future Liabilities1
InterestRateContractsFutureLiabilities1
|
105000 | usd |
| CY2022Q4 | nu |
Exchange Rate Contracts Future Liabilities1
ExchangeRateContractsFutureLiabilities1
|
233000 | usd |
| CY2022Q4 | nu |
Currency Nondeliverable Forward Contract Liabilities1
CurrencyNondeliverableForwardContractLiabilities1
|
24000 | usd |
| CY2022Q4 | nu |
Di Future Liabilities1
DiFutureLiabilities1
|
46000 | usd |
| CY2022Q4 | nu |
Total Liabilities1
TotalLiabilities1
|
9425000 | usd |
| CY2022Q4 | nu |
Total Maturity1
TotalMaturity1
|
50910000 | usd |
| CY2021Q4 | nu |
Other Interest Rate Contracts Future1
OtherInterestRateContractsFuture1
|
10000 | usd |
| CY2021Q4 | nu |
Exchange Rate Contracts Future1
ExchangeRateContractsFuture1
|
24000 | usd |
| CY2021Q4 | nu |
Forward Contracts1
ForwardContracts1
|
81528000 | usd |
| CY2021Q4 | nu |
Warrants Assets
WarrantsAssets
|
19756000 | usd |
| CY2021Q4 | nu |
Total Maturity Assets
TotalMaturityAssets
|
101318000 | usd |
| CY2021Q4 | nu |
Interest Rate Contracts Future Liabilities1
InterestRateContractsFutureLiabilities1
|
462000 | usd |
| CY2021Q4 | nu |
Exchange Rate Contracts Future Liabilities1
ExchangeRateContractsFutureLiabilities1
|
4034000 | usd |
| CY2021Q4 | nu |
Interest Rate Contracts Swap1
InterestRateContractsSwap1
|
7000 | usd |
| CY2021Q4 | nu |
Forward Contracts Liabilities
ForwardContractsLiabilities
|
82775000 | usd |
| CY2021Q4 | nu |
Total Liabilities1
TotalLiabilities1
|
87278000 | usd |
| CY2021Q4 | nu |
Total Maturity1
TotalMaturity1
|
188596000 | usd |
| CY2022 | nu |
Schedule Of Forecast And Actual Payment Of Expenses
ScheduleOfForecastAndActualPaymentOfExpenses
|
<table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfForecastAndActualPaymentOfExpenses_zEUsr8krRfc6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_zqoL9fwdLPX6" style="display: none">Schedule of forecast and actual payment of expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20220101__20221231_zezB1ebeKA1g" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20210101__20211231_zhQuJMwuRPBi" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_494_20200101__20201231_z5fWEKQTocbi" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 64%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--ForecastAndActualPaymentOfExpenses_iS_pn3n3_zSIlTirSMBIi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,487</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>49</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1</b></span></td></tr> <tr id="xdx_40F_ecustom--FairValueChangeRecognizedInOciDuringYear_pn3n3_z8XZRppZwMY5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value change recognized in OCI during the year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(20,924)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,705</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,302</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear_pn3n3_zB8DVQdCPnRe" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total amount reclassified from cash flow hedge reserve to statement of profit or loss during the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>14,012</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(242)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(8,223)</b></span></td></tr> <tr id="xdx_40D_ecustom--CustomerSupportAndOperation_pn3n3_zvmWQq2D8cW6" style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>to "Customer support and operation"</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>6,769</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(91)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(5,480)</i></span></td></tr> <tr id="xdx_40A_ecustom--GeneralAndAdministrativeExpense2_pn3n3_zKzhenhpIGgj" style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>to "General and administrative expenses"</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>7,778</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(136)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>(4,925)</i></span></td></tr> <tr id="xdx_40C_ecustom--EffectOfChangesInExchangeRatesOci_pn3n3_zs5H08cGcUVk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(535)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(15)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,182</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr id="xdx_409_eifrs-full--DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_pn3n3_zMsylK4qr0ce" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Deferred income taxes</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,815</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,025)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(31)</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--ForecastAndActualPaymentOfExpenses_iE_pn3n3_zfOr48ghlsFl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(2,610)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,487</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>49</b></span></td></tr> </table> | |
| CY2021Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
1487000 | usd |
| CY2020Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
49000 | usd |
| CY2019Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
1000 | usd |
| CY2022 | nu |
Fair Value Change Recognized In Oci During Year
FairValueChangeRecognizedInOciDuringYear
|
-20924000 | usd |
| CY2021 | nu |
Fair Value Change Recognized In Oci During Year
FairValueChangeRecognizedInOciDuringYear
|
2705000 | usd |
| CY2020 | nu |
Fair Value Change Recognized In Oci During Year
FairValueChangeRecognizedInOciDuringYear
|
8302000 | usd |
| CY2022 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Income Statement During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear
|
14012000 | usd |
| CY2021 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Income Statement During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear
|
-242000 | usd |
| CY2020 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Income Statement During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear
|
-8223000 | usd |
| CY2022 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
6769000 | usd |
| CY2021 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
-91000 | usd |
| CY2020 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
-5480000 | usd |
| CY2022 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
7778000 | usd |
| CY2021 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
-136000 | usd |
| CY2020 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
-4925000 | usd |
| CY2022 | nu |
Effect Of Changes In Exchange Rates Oci
EffectOfChangesInExchangeRatesOci
|
-535000 | usd |
| CY2021 | nu |
Effect Of Changes In Exchange Rates Oci
EffectOfChangesInExchangeRatesOci
|
-15000 | usd |
| CY2020 | nu |
Effect Of Changes In Exchange Rates Oci
EffectOfChangesInExchangeRatesOci
|
2182000 | usd |
| CY2022 | ifrs-full |
Deferred Tax Expense Income Relating To Tax Rate Changes Or Imposition Of New Taxes
DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes
|
2815000 | usd |
| CY2021 | ifrs-full |
Deferred Tax Expense Income Relating To Tax Rate Changes Or Imposition Of New Taxes
DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes
|
-1025000 | usd |
| CY2020 | ifrs-full |
Deferred Tax Expense Income Relating To Tax Rate Changes Or Imposition Of New Taxes
DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes
|
-31000 | usd |
| CY2022Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
-2610000 | usd |
| CY2021Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
1487000 | usd |
| CY2020Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
49000 | usd |
| CY2022 | nu |
Schedule Of Material Future Transactions
ScheduleOfMaterialFutureTransactions
|
<table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfMaterialFutureTransactions_za1jZfPIphee" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 4)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B8_zWJVllLbCxId" style="display: none">Schedule of material future transactions</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z5BML0hpQS5i" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zDr8cONudD3b" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20221231_zTCUs1gsEs9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20211231_zOi9Ae2vafA" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr id="xdx_40A_ecustom--ExpectedForeignCurrencyTransactions_iI_pn3n3_zaIpDP8ekFHg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Expected foreign currency transactions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">64,840</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">64,619</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">129,459</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">78,401</span></td></tr> <tr id="xdx_404_ecustom--TotalExpectedForeignCurrencyTransactions_iI_pn3n3_zTCmjMeg8Wv6" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,840</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,619</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>129,459</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>78,401</b></span></td></tr> </table> | |
| CY2022Q4 | nu |
Expected Foreign Currency Transactions
ExpectedForeignCurrencyTransactions
|
129459000 | usd |
| CY2021Q4 | nu |
Expected Foreign Currency Transactions
ExpectedForeignCurrencyTransactions
|
78401000 | usd |
| CY2022Q4 | nu |
Total Expected Foreign Currency Transactions
TotalExpectedForeignCurrencyTransactions
|
129459000 | usd |
| CY2021Q4 | nu |
Total Expected Foreign Currency Transactions
TotalExpectedForeignCurrencyTransactions
|
78401000 | usd |
| CY2022Q4 | ifrs-full |
Financial Instruments Designated As Hedging Instruments At Fair Value
FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue
|
1262053000 | usd |
| CY2022Q4 | ifrs-full |
Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets
AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets
|
-2887000 | usd |
| CY2022Q4 | nu |
Derivative Hedge Instrument Fair Value Variation
DerivativeHedgeInstrumentFairValueVariation
|
2084000 | usd |
| CY2021Q4 | nu |
Other Deposits1
OtherDeposits1
|
509000 | usd |
| CY2021Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
9667300000 | usd |
| CY2022 | nu |
Fair Value Change Recognized In Oci During Year1
FairValueChangeRecognizedInOciDuringYear1
|
-8871000 | usd |
| CY2022 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Statement Of Profit Or Loss During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToStatementOfProfitOrLossDuringYear
|
3995000 | usd |
| CY2022 | nu |
General And Administrative Expense3
GeneralAndAdministrativeExpense3
|
3995000 | usd |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities Held For Hedging
DerivativeFinancialLiabilitiesHeldForHedging
|
-4876000 | usd |
| CY2022Q4 | nu |
Expected Cash Disbursement For Income Tax Payments
ExpectedCashDisbursementForIncomeTaxPayments
|
59058000 | usd |
| CY2022Q4 | nu |
Total Expected Cash
TotalExpectedCash
|
59058000 | usd |
| CY2022 | nu |
Disclosure Of Instruments Eligible As Capital Explanatory
DisclosureOfInstrumentsEligibleAsCapitalExplanatory
|
<p id="xdx_800_ecustom--DisclosureOfInstrumentsEligibleAsCapitalExplanatory_zo2m2sXUGask" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">19. <span id="xdx_828_zpkDE73VrG31">Instruments eligible as capital</span></p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--ScheduleOfFinancialLiabilityAtFairValueTableTextBlock_zzfu8w9XvGC7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Instruments eligible as capital (Details)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zbnppfPgRtwk" style="display: none">Schedule of financial liability at fair value</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20221231_zbXLNGRHs3x9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49D_20211231_zFzXX6tsg39d" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_40E_ecustom--FinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract1_iB" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial liabilities at fair value through profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_407_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_zmpMLZNMr2d6" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">12,056</span></td></tr> <tr id="xdx_402_ecustom--TotalFairValue_iI_pn3n3_zp1W92WELEZ9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>11,507</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,056</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="background-color: white">There were <span id="xdx_903_eifrs-full--FinancialLiabilitiesReclassifiedIntoEquity_pn3n3_do_c20220101__20221231_zpoI7uBLad15" title="Financial liability"><span id="xdx_909_eifrs-full--FinancialLiabilitiesReclassifiedIntoEquity_pn3n3_do_c20210101__20211231_zVZAClLG1ald" title="Financial liability">no</span></span> defaults or breaches of instruments eligible as capital or on any financial liability during 2022 and 2021.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In June 2019, the subsidiary Nu Financeira issued a subordinated financial note in the amount equivalent to US$<span id="xdx_909_ecustom--IssuanceOfPrincipalAmount_iI_pn3n3_c20190630_z1DXdwx7bia6" title="Issuance amount">18,824</span> at the issuance date, which was approved as Tier 2 capital by the Brazilian Central Bank in September 2019, for the purposes of calculation of regulatory capital. The note bears a fixed interest rate of <span id="xdx_909_ecustom--FixedInterestRate_pip0_dp_c20220101__20221231_zRWUPx0cMtvc" title="Fixed interest rate">12.8</span>%, matures in 2029, and is callable in 2024.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group designated the instruments eligible as capital at fair value through profit (loss) at its initial recognition. The gains of fair value changes arising from its own credit risk in the amount of US$<span id="xdx_908_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20220101__20221231_ziwYXJwyPGZ" title="Changes in fair value">2,008</span> were recorded in other comprehensive income (losses of US$<span id="xdx_90D_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20210101__20211231_ziLGEAz5OIWf" title="Changes in fair value">1,051</span> and US$<span id="xdx_907_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20200101__20201231_zcoCt4kFyxEc" title="Changes in fair value">219</span> in the years ended December 31, 2021 and 2020). All other fair value changes and interests in the amount of US$<span id="xdx_908_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20221231_zz1qA4cF50Oh" title="Fair value changes and interests">10,653</span> (US$<span id="xdx_90D_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20211231_zSc1MfzG4Xma" title="Fair value changes and interests">3,580</span> and US$<span id="xdx_908_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20201231_zUJliGAlXvUj" title="Fair value changes and interests">1,984</span> in the years ended December 31, 2021 and 2020) were recognized as profit (loss).</p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--DisclosureOfFairValueChangesAndInterestTableTextBlock_z3qfEbmzOXJc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Instruments eligible as capital (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_zK8SwbIiERS6" style="display: none">Schedule of fair value changes and interest</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20220101__20221231_zTSHbGGpC7ki" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20210101__20211231_zL3Z3HaNmOwj" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49C_20200101__20201231_zJmve4tqaFJl" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr id="xdx_40E_ecustom--InstrumentsEligibleAsCapitalInterest_iS_pn3n3_zgfyjfSBp6m5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,056</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>15,492</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22,084</b></span></td></tr> <tr id="xdx_40D_ecustom--InterestAccruedOne_pn3n3_zEHOpNvHwYk8" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(882)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,137</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,689</span></td></tr> <tr id="xdx_40A_ecustom--FairValueChanges_pn3n3_zkyLRv54JGa3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value changes</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,192</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(5,717)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(3,673)</span></td></tr> <tr id="xdx_405_ecustom--OwnCreditTransferredToOci1_pn3n3_zdKq3TDUVQTl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Own credit transferred to OCI</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,008)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,051</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">219</span></td></tr> <tr id="xdx_403_ecustom--EffectOfChangesInExchangeRatesOci4_pn3n3_zMoKhfWU0Msh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(5,851)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(907)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,827)</span></td></tr> <tr id="xdx_40B_ecustom--InstrumentsEligibleAsCapitalInterest_iE_pn3n3_zZrBtvEVewTh" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>11,507</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,056</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>15,492</b></span></td></tr> </table> | |
| CY2022Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
11507000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
12056000 | usd |
| CY2022Q4 | nu |
Total Fair Value
TotalFairValue
|
11507000 | usd |
| CY2021Q4 | nu |
Total Fair Value
TotalFairValue
|
12056000 | usd |
| CY2022 | ifrs-full |
Financial Liabilities Reclassified Into Equity
FinancialLiabilitiesReclassifiedIntoEquity
|
0 | usd |
| CY2021 | ifrs-full |
Financial Liabilities Reclassified Into Equity
FinancialLiabilitiesReclassifiedIntoEquity
|
0 | usd |
| CY2019Q2 | nu |
Issuance Of Principal Amount
IssuanceOfPrincipalAmount
|
18824000 | usd |
| CY2022 | nu |
Fixed Interest Rate
FixedInterestRate
|
0.128 | pure |
| CY2022 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
2008000 | usd |
| CY2021 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
1051000 | usd |
| CY2020 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
219000 | usd |
| CY2022Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
10653000 | usd |
| CY2021Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
3580000 | usd |
| CY2020Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
1984000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
12056000 | usd |
| CY2020Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
15492000 | usd |
| CY2019Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
22084000 | usd |
| CY2022 | nu |
Interest Accrued One
InterestAccruedOne
|
-882000 | usd |
| CY2021 | nu |
Interest Accrued One
InterestAccruedOne
|
2137000 | usd |
| CY2020 | nu |
Interest Accrued One
InterestAccruedOne
|
1689000 | usd |
| CY2022 | nu |
Fair Value Changes
FairValueChanges
|
8192000 | usd |
| CY2021 | nu |
Fair Value Changes
FairValueChanges
|
-5717000 | usd |
| CY2020 | nu |
Fair Value Changes
FairValueChanges
|
-3673000 | usd |
| CY2022 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
-2008000 | usd |
| CY2021 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
1051000 | usd |
| CY2020 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
219000 | usd |
| CY2022 | nu |
Effect Of Changes In Exchange Rates Oci4
EffectOfChangesInExchangeRatesOci4
|
-5851000 | usd |
| CY2021 | nu |
Effect Of Changes In Exchange Rates Oci4
EffectOfChangesInExchangeRatesOci4
|
-907000 | usd |
| CY2020 | nu |
Effect Of Changes In Exchange Rates Oci4
EffectOfChangesInExchangeRatesOci4
|
-4827000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
11507000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
12056000 | usd |
| CY2020Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
15492000 | usd |
| CY2022 | nu |
Disclosure Financial Liabilities At Amortized Cost Deposits Explanatory
DisclosureFinancialLiabilitiesAtAmortizedCostDepositsExplanatory
|
<p id="xdx_803_ecustom--DisclosureFinancialLiabilitiesAtAmortizedCostDepositsExplanatory_zRXANyCnwlDc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">20. <span id="xdx_82B_zj88JxgqoLTb">Financial liabilities at amortized cost – deposits</span></p> <table cellpadding="0" cellspacing="0" id="xdx_893_eifrs-full--DisclosureOfDepositsFromCustomersExplanatory_zYIgdgK3H032" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost- deposits (Details)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span id="xdx_8B5_zvvqu5OaxHra" style="display: none">Schedule of deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits by customers (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_fKGkp_zgr7GN4yPVt9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>14,273,959</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBMember_fKGkp_zIfIC69Q3uG4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>7,728,108</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Deposits in electronic money</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_fKGkp_zvsuOPFdmAH" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,534,582</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_fKGkp_zFs48HZg8y9e" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,887,945</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB-V)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBVMember_fKGkp_z0Dluez9ty2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>31,557</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%; text-indent: 0.5in"><span style="font-size: 8pt; line-height: 115%"><i>Time deposit (ii)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TimeDeposits1_iI_pn3n3_c20211231_fKGlpKQ_____z4OypuWTaz6a" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposits"><span style="font-size: 8pt; line-height: 115%"><i>19,181</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--OtherDeposits_iI_pn3n3_c20211231_zvDSqieUhI6k" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other deposits"><span style="font-size: 8pt; line-height: 115%">509</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20221231_z5M6HBw0nO6k" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>15,808,541</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CurrentDepositsFromCustomers_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>9,667,300</b></span></td></tr> </table> <p id="xdx_8AD_zNcbgIhBueJi" style="margin-top: 0; margin-bottom: 0"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0A_zMOeBLKUPBic" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F1D_zCyHYEoniofb" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">In June 2019, Nu Financeira's RDB was launched as an investment option in NuConta. Unlike the deposits in electronic money, Nu may or may not invest the resources from RDB's deposits in government securities. They can be used as a financing source for the lending and credit card operations, instead. RDB's deposits have guarantees from the Brazilian Deposit Guarantee Fund ("FGC"). Deposits in electronic money through NuConta, and part of the RDBs, correspond to customer deposits on-demand with daily maturity made in the prepaid account, denominated in Brazilian reais.</td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In September 2020, Nu Financeira launched a new investment option – a RDB with a defined future maturity date. In December 2022, RDBs had maturities of up to <span id="xdx_901_ecustom--RedemptionTerm_dtM_c20220101__20221231__dei--LegalEntityAxis__custom--CDIMember_zvm3KHAKIqwe" title="Redemption term">24</span> months and a weighted average interest rate of <span id="xdx_901_ecustom--RemunerationRate_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--CDIMember_zhUeEdNWUL57" title="Remuneration rate">104</span>% as of December 31, 2022 (and <span id="xdx_907_ecustom--RemunerationRate_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--CDIMember_z1aaG4Ej3uvg" title="Remuneration rate">107</span>% on December 31, 2021) of the Brazilian CDI rate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Deposits in electronic money include NuConta, which is part of the prepaid account modality (Brazil and Mexico), as well as Conta NuInvest amounts, the latter corresponding to on-demand deposits of the Groups’ investment brokerage clients. In Brazil, those deposits are required by BACEN to be invested in Brazilian government bonds and the return is 100% of the CDI as of the thirty-first day, also considering the retroactive yield from the first thirty days on the unused deposit balances. In Mexico there is no requirement to invest the deposits in specific assets and the return is the Interbank Equilibrium Interest Rate "TIIE" - <span id="xdx_902_ecustom--EquilibriumInterestRate_iI_pip0_dp_c20221231_zhc9olXEGsCb" title="Equilibrium Interest Rate">2</span>%, as of December 2022.</p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F09_zLgORIDqT0D8" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F19_z4vePaegH0Uc" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">In July 2020, the subsidiary Nu Financeira issued a time deposit instrument ("DPGE"), also with a special guarantee from FGC, in the amount of R$<span id="xdx_904_ecustom--TimeDepositInstrument1_pn3n3_c20200701__20200731__srt--CurrencyAxis__custom--BrazilCurrencyMember__dei--LegalEntityAxis__custom--BrazilianDIMember_zBR4bZ6oAqIf" title="Time Deposit Instrument1">100,000</span>, equivalent to US$<span id="xdx_90A_ecustom--TimeDepositInstrument_pn3n3_c20200701__20200731__dei--LegalEntityAxis__custom--BrazilianDIMember_zE9lR0QCEHcc" title="Time Deposit Instrument">19,000</span> at the issuance date, remunerated at the Brazilian DI rate + 1% per annum and was fully settled in July 2022.</td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Breakdown by maturity</b></p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--BreakdownByMaturityTableTextBlock_zLY7NnXRsGia" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost- deposits (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span id="xdx_8BA_zHtgcMG823H4" style="display: none">Breakdown by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 53%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits by customers</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Deposits in electronic money</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zL2qg3sni6w9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,534,582</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zmoo7gzWliCj" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i><span style="-sec-ix-hidden: xdx2ixbrl5245">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zbG9hI6cPc6g" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,534,582</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>14,160,805</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zdxUfKN1M7X9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>113,154</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_zYC2M6zGIEIk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>14,273,959</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>15,695,387</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zEYvwYzgzAT8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>113,154</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231_zCYZPvdvSjhe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>15,808,541</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 53%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits by customers</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 33.5pt; text-align: left; line-height: 115%; text-indent: 2.5pt"><span style="font-size: 8pt; line-height: 115%"><i>Deposits in electronic money</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zLaioPgAqdbi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,887,945</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zWHBjCKviKwi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i><span style="-sec-ix-hidden: xdx2ixbrl5263">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zzuMt2vEeh6e" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,887,945</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_ztfmqQqzBFJa" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>7,663,355</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zMGzqpRyTc84" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>64,753</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBMember_zibnIh6hlcOd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>7,728,108</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB-V)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBVMember_zn4OYdeQddTh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>31,557</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBVMember_z6PdGceQRxyl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i><span style="-sec-ix-hidden: xdx2ixbrl5275">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBVMember_zkxQRlQnSHV1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>31,557</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Time deposit</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TimeDeposits1_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember_z2kLGh25qq6c" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposits"><span style="font-size: 8pt; line-height: 115%"><i>19,181</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TimeDeposits1_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zExSGpwpffTf" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposits"><span style="font-size: 8pt; line-height: 115%"><i><span style="-sec-ix-hidden: xdx2ixbrl5281">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TimeDeposits1_iI_pn3n3_c20211231_zDvG9HmHRCwi" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposits"><span style="font-size: 8pt; line-height: 115%"><i>19,181</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--OtherDeposits1_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember_ztNGnMoeGDMl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other deposits"><span style="font-size: 8pt; line-height: 115%">509</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--OtherDeposits1_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z8LDRfpKp7Ka" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other deposits"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5287">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--OtherDeposits1_iI_pn3n3_c20211231_zEcWPgDFXdi4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other deposits"><span style="font-size: 8pt; line-height: 115%">509</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember_zqv6ToVmVH8a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>9,602,547</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z6BDC3vZCKd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>64,753</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231_zdI5KUn9lMU3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><b>9,667,300</b></span></td></tr> </table> <p id="xdx_8AA_zfe7iolGHndj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> | |
| CY2022 | ifrs-full |
Disclosure Of Deposits From Customers Explanatory
DisclosureOfDepositsFromCustomersExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_893_eifrs-full--DisclosureOfDepositsFromCustomersExplanatory_zYIgdgK3H032" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost- deposits (Details)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span id="xdx_8B5_zvvqu5OaxHra" style="display: none">Schedule of deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits by customers (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_fKGkp_zgr7GN4yPVt9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>14,273,959</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBMember_fKGkp_zIfIC69Q3uG4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>7,728,108</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Deposits in electronic money</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_fKGkp_zvsuOPFdmAH" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,534,582</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_fKGkp_zFs48HZg8y9e" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>1,887,945</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.5in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Bank receipt of deposits (RDB-V)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__dei--LegalEntityAxis__custom--RDBVMember_fKGkp_z0Dluez9ty2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><i>31,557</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%; text-indent: 0.5in"><span style="font-size: 8pt; line-height: 115%"><i>Time deposit (ii)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TimeDeposits1_iI_pn3n3_c20211231_fKGlpKQ_____z4OypuWTaz6a" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposits"><span style="font-size: 8pt; line-height: 115%"><i>19,181</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other deposits</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--OtherDeposits_iI_pn3n3_c20211231_zvDSqieUhI6k" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other deposits"><span style="font-size: 8pt; line-height: 115%">509</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20221231_z5M6HBw0nO6k" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>15,808,541</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CurrentDepositsFromCustomers_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>9,667,300</b></span></td></tr> </table> | |
| CY2021Q4 | nu |
Time Deposits1
TimeDeposits1
|
19181000 | usd |
| CY2021Q4 | nu |
Other Deposits
OtherDeposits
|
509000 | usd |
| CY2022Q4 | ifrs-full |
Current Deposits From Customers
CurrentDepositsFromCustomers
|
15808541000 | usd |
| CY2021Q4 | ifrs-full |
Current Deposits From Customers
CurrentDepositsFromCustomers
|
9667300000 | usd |
| CY2022Q4 | nu |
Equilibrium Interest Rate
EquilibriumInterestRate
|
0.02 | pure |
| CY2022Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
15808541000 | usd |
| CY2021Q4 | nu |
Time Deposits1
TimeDeposits1
|
19181000 | usd |
| CY2022 | nu |
Disclosure Of Financial Liabilities Payable To Credit Card Explanatory
DisclosureOfFinancialLiabilitiesPayableToCreditCardExplanatory
|
<p id="xdx_803_ecustom--DisclosureOfFinancialLiabilitiesPayableToCreditCardExplanatory_zKcrtkQLwpMj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">21. <span id="xdx_82F_zRrEUJsSP783">Financial liabilities at amortized cost – payables to network</span></p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfCreditCardPaymentTableTextBlock_zKg2wdPurPm1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - payables to credit card network (Details)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_z9FyS6Tnfbc1" style="display: none">Schedule of credit card payment</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231_zAHZlVuubDY" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zINTMbX61TK7" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--OtherPayablesToCreditCardNetwork_pn3n3_zqMdaiAHn9U7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payables to credit card network <span id="xdx_F45_zmVvmwxj1H6i">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,054,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,882,159</span></td></tr> <tr id="xdx_40B_ecustom--TotalOfCreditCardPayment_pn3n3_zoy8fLYpY3j5" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>7,054,783</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,882,159</b></span></td></tr> </table> <p id="xdx_8A0_zuw79FGJAaL7" style="margin-top: 0; margin-bottom: 0"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%"><span id="xdx_F0B_z850GBy9I8N1" style="font-size: 12pt; line-height: 115%">(i)</span></td> <td id="xdx_F10_zeowT9Bm0n4i" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Corresponds to the amount payable to the acquirers related to credit and debit card transactions. Credit card payables are settled according to the transaction installments, substantially in up to 27 days for Brazilian transactions with no installments and 1 business day for international transactions. Sales in installments (<i>parcelado</i>) have monthly settlements, mostly, over a period of up to 12 months. For Mexican and Colombian operations, the amounts are settled in 1 business day. The segregation of the settlement is shown in the table below:</td></tr> </table> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--ScheduleOfOtherPayableTableTexBlock_zpnOsNBuzDNe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - payables to credit card network (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_z38ZNffmLTWk" style="display: none">Schedule of payable to credit card network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Payables to credit card network</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Up to 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zzn9fvjvFVZ5" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">3,829,398</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zIB7nycvroK" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">2,518,437</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 to 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--OtherPayables_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,741,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z0JrPVtLfjW" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,205,765</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">More than 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--OtherPayables_c20221231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,484,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_zX40luqL5WFj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,157,957</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--OtherPayables_iI_pn3n3_c20221231_zpEeSekoF9A8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%"><b>7,054,783</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--OtherPayables_iI_pn3n3_c20211231_zvXhk9IPl8mj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%"><b>4,882,159</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Collateral for credit card operations</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, the Group had US$<span id="xdx_90A_eifrs-full--FinancialLiabilitiesAtFairValue_iI_pn3n3_c20221231_zbS7qiWZcpq7" title="Fair value">305</span> (US$<span id="xdx_90D_eifrs-full--FinancialLiabilitiesAtFairValue_iI_pn3n3_c20211231_z2mirSL7hf8g" title="Fair value">1,052</span> on December 31, 2021) of security deposits granted in favor of Mastercard. These securities are measured at fair value through profit (loss) and are held as collateral for the amounts payable to the network and can be replaced by other securities with similar characteristics. The average remuneration rate of those deposits was <span id="xdx_909_ecustom--AverageRemunerationRate_pip0_dp_c20220101__20221231_zlQyt0wdgNm2" title="Average remuneration rate">0.31</span>% per month on December 31, 2022 (<span id="xdx_905_ecustom--AverageRemunerationRate_pip0_dp_c20210101__20211231_zEfl63OmrHme" title="Average remuneration rate">0.20</span>% on December 31, 2021).</p> | |
| CY2022 | nu |
Other Payables To Credit Card Network
OtherPayablesToCreditCardNetwork
|
7054783000 | usd |
| CY2021 | nu |
Other Payables To Credit Card Network
OtherPayablesToCreditCardNetwork
|
4882159000 | usd |
| CY2022 | nu |
Total Of Credit Card Payment
TotalOfCreditCardPayment
|
7054783000 | usd |
| CY2021 | nu |
Total Of Credit Card Payment
TotalOfCreditCardPayment
|
4882159000 | usd |
| CY2022 | nu |
Schedule Of Other Payable Table Tex Block
ScheduleOfOtherPayableTableTexBlock
|
<table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--ScheduleOfOtherPayableTableTexBlock_zpnOsNBuzDNe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - payables to credit card network (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_z38ZNffmLTWk" style="display: none">Schedule of payable to credit card network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Payables to credit card network</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Up to 30 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zzn9fvjvFVZ5" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">3,829,398</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zIB7nycvroK" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">2,518,437</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">30 to 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--OtherPayables_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,741,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z0JrPVtLfjW" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,205,765</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">More than 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--OtherPayables_c20221231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,484,199</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherPayables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_zX40luqL5WFj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">1,157,957</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--OtherPayables_iI_pn3n3_c20221231_zpEeSekoF9A8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%"><b>7,054,783</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--OtherPayables_iI_pn3n3_c20211231_zvXhk9IPl8mj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%"><b>4,882,159</b></span></td></tr> </table> | |
| CY2022Q4 | ifrs-full |
Other Payables
OtherPayables
|
7054783000 | usd |
| CY2021Q4 | ifrs-full |
Other Payables
OtherPayables
|
4882159000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value
FinancialLiabilitiesAtFairValue
|
305000 | usd |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value
FinancialLiabilitiesAtFairValue
|
1052000 | usd |
| CY2022 | nu |
Average Remuneration Rate
AverageRemunerationRate
|
0.0031 | pure |
| CY2021 | nu |
Average Remuneration Rate
AverageRemunerationRate
|
0.0020 | pure |
| CY2022 | nu |
Financial Liabilities At Amortized Cost Borrowing Financing And Securitized Borrowings
FinancialLiabilitiesAtAmortizedCostBorrowingFinancingAndSecuritizedBorrowings
|
<p id="xdx_801_ecustom--FinancialLiabilitiesAtAmortizedCostBorrowingFinancingAndSecuritizedBorrowings_zhVqPrtUTnx1" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">22. <span id="xdx_82B_z8f8nQjOZh95">Financial liabilities at amortized cost – borrowing, financing and securitized borrowings</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--ScheduleOfFinancialLiabilitiesAtAmortizedCostTableTextBlock_zEtXLLI1MuSl" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowing, financing and securitized borrowings (Details)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_zxoLsy6iIeZc" style="display: none">Financial liabilities at amortized cost</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20221231_z1F1xdJLEw8i" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20211231_zOHRGOIuMnef" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 66%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_405_ecustom--BorrowingsAndFinancing_iI_pn3n3_z8lgGD48cBX2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">147,243</span></td></tr> <tr id="xdx_406_ecustom--SecuritizedBorrowings_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Securitized borrowings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5341">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,011</span></td></tr> <tr id="xdx_40F_ecustom--FinancialLiabilitiesAtAmortizedCostTotal_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>585,568</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>157,254</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>a) Borrowings and financings</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Borrowings and financings maturities are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfBorrowingsAndFinancingsMaturitiesTableTextBlock_zTwbWPFKLIIe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowing, financing and securitized borrowings (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B5_zWhKRSgKvrFb" style="display: none">Borrowings and financings maturities are as follows</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Borrowings and financings</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Term loan credit facility (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BillsOfExchange_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpKQ_____zMqJb8oViIh5" style="padding: 2pt; text-align: right; line-height: 115%" title="Bills of exchange"><span style="font-size: 8pt; line-height: 115%">3,100</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BillsOfExchange_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpKQ_____zj5Dfh9Wcxf" style="padding: 2pt; text-align: right; line-height: 115%" title="Bills of exchange"><span style="font-size: 8pt; line-height: 115%">32,632</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BillsOfExchange_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpKQ_____zDXdhfPhGo0f" style="padding: 2pt; text-align: right; line-height: 115%" title="Bills of exchange"><span style="font-size: 8pt; line-height: 115%">82,462</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BillsOfExchange_iI_pn3n3_c20221231_fKGlpKQ_____z37prt53lADj" style="padding: 2pt; text-align: right; line-height: 115%" title="Bills of exchange"><span style="font-size: 8pt; line-height: 115%">118,194</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Syndicated loan (iii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpaSk___zemj0vpRFTsa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Syndicated loan"><span style="font-size: 8pt; line-height: 115%">103</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpaSk___zmINUwB4Eg3g" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">2,494</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpaSk___zQbvw2XO1WSh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">464,777</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231_fKGlpaSk___zA4GdSHKscDd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">467,374</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total borrowings and financings</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TotalBorrowingsAndFinancings_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>3,203</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TotalBorrowingsAndFinancings_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>35,126</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TotalBorrowingsAndFinancings_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>547,239</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20221231_zsu04aVktKah" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>585,568</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Borrowings and financings</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Financial letter (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGkp_z1PYYeW5gmp2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%">7,728</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGkp_zSf5DYHkRvL2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%">2,672</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--FinancialLiabilities_iI_pn3n3_c20211231_fKGkp_zSjt8EQeVFU2" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%">10,400</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Term loan credit facility (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpKQ_____zYQ1xSLfwP7f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">3,064</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpKQ_____zucSwBdXeDDb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">10,113</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpKQ_____zUZsZDRYonFa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">123,666</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231_fKGlpKQ_____zU2AYFITFheb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">136,843</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total borrowings and financings</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_zQchJjDIgQJe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>10,792</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z3cWrqaNV5P2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>12,785</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zsCjvNmNy2Qh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>123,666</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20211231_zx7B3hAZ9Psk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total borrowings and financings"><span style="font-size: 8pt; line-height: 115%"><b>147,243</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F06_zGBinzPW2nsb" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F11_zQsFJ89VlCz3" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Corresponded to fixed and floating rate bills of exchange in the amount equivalent to US$12,941 on the issuance date, fully paid in April 2022.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0D_zwTbBCzKE9d1" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F1C_zrTeG1rwOxeh" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Corresponds to two term loan credit facilities obtained by subsidiary Nu Servicios and reassigned to Nu Financiera, in Mexican pesos, from:</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">a)</td><td style="text-align: justify"><span id="xdx_90B_eifrs-full--DescriptionOfAccountingPolicyForBorrowingsExplanatory_c20220101__20221231" title="Description of borrowings">Bank of America México, S.A., Institución de Banca Múltiple (“BofA”) in the amount equivalent to US$30,000 on the issuance dates, with interest equivalent to 12.48% (Mexican Interbanking Equilibrium Interest Rate (“TIIE 182” + 1.40%) per annum as of December 31, 2022 (equivalent to 7.42% per annum as of December 31, 2021), and maturity date in July 2023.</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">b)</td><td style="text-align: justify"><span id="xdx_90E_ecustom--DescriptionOfAccountingPolicyForBorrowingsExplanatory1_c20220101__20221231" title="Description of borrowings">JPMorgan México ("JP Morgan") in the total amount equivalent to US$80,000 on the issuance dates, with interest from 12.08% to 12.53% (TIIE 182 + 1.45% and TIIE 182 + 1.0%, respectively) per annum as of December 31, 2022 (from 7.02% to 7.47% per annum as of December 31, 2021), and maturity dates in November 2024 and July 2024.</span></td></tr></table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0F_zqRdNS7IdXc2" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(iii)</td> <td id="xdx_F1D_z7X13TAJa1a6" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Corresponds to a syndicated credit facility, in which Nu's subsidiaries in Colombia and Mexico are the borrowers and the Company is acting as guarantor. The amount of the credit facility is US$650,000, out of which US$ 625,000 allocated to Nu Mexico and US$ 25,000 to Nu Colombia, and as of December 31, 2022:</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">a)</td><td style="text-align: justify">Mexico used the total equivalent to US$<span id="xdx_901_eifrs-full--CashEquivalents_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember_zxV2NXAEj4R5" title="Total equivalent">435,000</span> on the issuance dates, with interest equivalent to <span id="xdx_905_eifrs-full--CashAndCashEquivalentsPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember_zU7YhDF09dp6" title="Equivalent percentage">11.98</span>% per annum (TIIE 91 + 1.00%) and maturity date in April 2025;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">b)</td><td style="text-align: justify">Colombia used the total equivalent to US$<span id="xdx_90B_eifrs-full--CashEquivalents_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember_zoXOJtmtlkEl" title="Total equivalent">25,000</span> on the issuance date, with interest equivalent to <span id="xdx_90F_eifrs-full--CashAndCashEquivalentsPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20221231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember_z9NTWCfbEXr" title="Equivalent percentage">6.18</span>% per annum (Colombian Reference Banking Indicator ("IBR") + 1.00%) and maturity date in April 2025.</td></tr></table> <p id="xdx_8A7_zLetB4KQjqhi" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><br/> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">Changes to borrowings and financings are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfChangesInBorrowingsAndFinancingsTableTextBlock_zKJmrz24VAG2" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowing, financing and securitized borrowings (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zE0pdT5989ik" style="display: none">Changes to borrowings and financings are as follows</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BillOfExchangeMember_zHCaUDK2zjMb" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zFnCSkxsmoFi" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BankBorrowingsMember_zt530A6qkMM2" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td id="xdx_499_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--SyndicatedLoanMember_zNs1ZdWQtL22" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20220101__20221231_zNw9xXseSK57" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 28%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Bills of</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Term loan credit facility</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Bank borrowings</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Syndicated loan</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_eifrs-full--ShorttermBorrowings_iS_pn3n3_zUE3xUGL9End" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,400</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>136,843</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5415">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5416">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>147,243</b></span></td></tr> <tr id="xdx_406_ecustom--AdditionDueToBusinessCombination_iI_pn3n3_zYzQCdeSQhyd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Addition due to business combination</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5419">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5420">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,729</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5422">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,729</span></td></tr> <tr id="xdx_401_ecustom--NetBorrowings_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">New borrowings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5425">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">121,142</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5427">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">460,000</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">581,142</span></td></tr> <tr id="xdx_402_ecustom--BorrowingsPaymentsPrincipal_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – principal</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(9,447)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(146,078)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,458)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5434">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(159,983)</span></td></tr> <tr id="xdx_40A_ecustom--BorrowingsPaymentsOfInterest_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – interest</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,889)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(8,301)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(568)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(19,998)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(30,756)</span></td></tr> <tr id="xdx_403_ecustom--InterestAccrued1_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">42</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,340</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">158</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,534</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">31,074</span></td></tr> <tr id="xdx_403_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">894</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,248</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">139</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,838</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">12,119</span></td></tr> <tr id="xdx_40B_eifrs-full--ShorttermBorrowings_iE_pn3n3_zz8BZR1qVBR7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5455">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>118,194</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5457">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>467,374</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>585,568</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--FinancialLetterMember_znsVZvdTkG3d" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BillOfExchangeMember_zDXLCbEiBup2" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zrNik83DsoA9" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zTeh6HKKl5W6" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Financial</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>letter</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Bills of</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Term loan credit facility</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_eifrs-full--ShorttermBorrowings_iS_pn3n3_z2TjDoNtT3tf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>60,126</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>17,684</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>19,644</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>97,454</b></span></td></tr> <tr id="xdx_403_ecustom--NetBorrowings_pn3n3_zSK4k3DsWXX4" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">New borrowings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5466">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5467">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">116,349</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">116,349</span></td></tr> <tr id="xdx_40D_ecustom--BorrowingsPaymentsPrincipal_pn3n3_zYY74IJYm5Kc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – principal</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(54,151)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(6,372)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5473">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(60,523)</span></td></tr> <tr id="xdx_40F_ecustom--BorrowingsPaymentsOfInterest_pn3n3_zUjfhVgzwTdk" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – interest</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,548)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(600)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,908)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(7,056)</span></td></tr> <tr id="xdx_405_ecustom--InterestAccrued1_pn3n3_zyuZ7GyUjER1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">776</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">683</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,766</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,225</span></td></tr> <tr id="xdx_40A_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_pn3n3_zVIh2dg58kre" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,203)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(995)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,008)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(5,206)</span></td></tr> <tr id="xdx_400_eifrs-full--ShorttermBorrowings_iE_pn3n3_z5AjjvqcRH3e" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5491">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,400</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>136,843</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>147,243</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20200101__20201231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--FinancialLetterMember_zLqZfA5qmuEi" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_493_20200101__20201231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BankCreditBillMember_zFfbc9HrHIcj" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20200101__20201231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BillOfExchangeMember_ztU4MV5Bgiac" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20200101__20201231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zFHCtW7rB2fe" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20200101__20201231_zc5jYjEIQPj2" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 28%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Financial</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>letter</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Bank credit</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>bill</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Bills of</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Term loan credit facility</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_eifrs-full--ShorttermBorrowings_iS_pn3n3_zy3GhpK8C90d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>77,061</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>34,183</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22,157</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5499">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>133,401</b></span></td></tr> <tr id="xdx_402_ecustom--NetBorrowings_pn3n3_zVhcekOBSMp7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">New borrowings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5502">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5503">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5504">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,974</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,974</span></td></tr> <tr id="xdx_402_ecustom--BorrowingsPaymentsPrincipal_pn3n3_z8K3teJrKJ9i" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – principal</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,508)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(26,148)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(237)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5511">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(27,893)</span></td></tr> <tr id="xdx_400_ecustom--BorrowingsPaymentsOfInterest_pn3n3_z86kFWjxHKDf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – interest</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(45)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,279)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(24)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5517">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,348)</span></td></tr> <tr id="xdx_400_ecustom--InterestAccrued1_pn3n3_zBnwHCTlwEw" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,936</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">743</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">770</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,685</span></td></tr> <tr id="xdx_408_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_pn3n3_zDaHnAGch2t6" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(17,318)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(7,499)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,982)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,434</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(28,365)</span></td></tr> <tr id="xdx_40A_eifrs-full--ShorttermBorrowings_iE_pn3n3_zBrV9M54E8oc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>60,126</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5533">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>17,684</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>19,644</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>97,454</b></span></td></tr> </table> <p id="xdx_8A0_zg3Oq74kVsSe" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Covenants</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The restrictive clauses (covenants) associated with the Group's debt contracts establish the maintenance of minimum financial indicators resulting from its capital, funding and liquidity (cash) position, as well as profitability metrics and leverage ratios including, but not limited to, net debt to gross profit, in addition to non-financial indicators according to each contract. The Group was compliant with such restrictive clauses as of December 31, 2022, and 2021.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>Guarantees</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company is guarantor to the above-mentioned borrowings from Colombia and Mexico. The subsidiary Nu Pagamentos also is guarantor to the BofA and JP Morgan borrowings.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>b) Securitized borrowings</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Securitized borrowings corresponded to senior quotas issued by FIDC Nu. Senior notes of 1<sup>st</sup> series were fully settled in 2020, 2<sup>nd </sup>series were fully settled in 2021 and 3rd series were fully settled in February 2022. Changes to securitized borrowings are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--ChangesToSecuritizedBorrowingsAreAsFollowsTableTextBlock_zNxpeMsQGrTj" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowing, financing and securitized borrowings (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span><span id="xdx_8B4_zmtUxz3pOHSa" style="display: none">Changes to securitized borrowings</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20220101__20221231_znZ8ZMvHZUea" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20210101__20211231_zDNzxptM7pti" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20200101__20201231_zATR1TGHYEE" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr id="xdx_405_ecustom--BalanceAtBeginningOfYear_iS_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,011</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>79,742</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>169,925</b></span></td></tr> <tr id="xdx_40B_ecustom--BorrowingsInterestAccrued_pn3n3_zFhx4U9ykCtl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">84</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,904</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,633</span></td></tr> <tr id="xdx_406_ecustom--PaymentsPrincipal_pn3n3_zC49imzanEz1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – principal</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(10,633)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(66,403)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(52,172)</span></td></tr> <tr id="xdx_401_ecustom--PaymentsInterest_pn3n3_z4U56brswA1j" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – interest</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(134)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,976)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,819)</span></td></tr> <tr id="xdx_40A_ecustom--BorrowingsEffectOfChangesInExchangeRatesOci_pn3n3_z7ZHkP95SlM2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">672</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(3,256)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(37,825)</span></td></tr> <tr id="xdx_407_ecustom--BalanceAtEndOfYear_iE_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5560">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>10,011</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>79,742</b></span></td></tr> </table> | |
| CY2022Q4 | nu |
Borrowings And Financing
BorrowingsAndFinancing
|
585568000 | usd |
| CY2021Q4 | nu |
Borrowings And Financing
BorrowingsAndFinancing
|
147243000 | usd |
| CY2021Q4 | nu |
Securitized Borrowings
SecuritizedBorrowings
|
10011000 | usd |
| CY2022Q4 | nu |
Financial Liabilities At Amortized Cost Total
FinancialLiabilitiesAtAmortizedCostTotal
|
585568000 | usd |
| CY2021Q4 | nu |
Financial Liabilities At Amortized Cost Total
FinancialLiabilitiesAtAmortizedCostTotal
|
157254000 | usd |
| CY2022Q4 | nu |
Bills Of Exchange
BillsOfExchange
|
118194000 | usd |
| CY2022Q4 | ifrs-full |
Loans And Advances To Banks
LoansAndAdvancesToBanks
|
467374000 | usd |
| CY2022Q4 | nu |
Total Borrowings And Financings
TotalBorrowingsAndFinancings
|
585568000 | usd |
| CY2021Q4 | ifrs-full |
Financial Liabilities
FinancialLiabilities
|
10400000 | usd |
| CY2021Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
136843000 | usd |
| CY2021Q4 | nu |
Total Borrowings And Financings
TotalBorrowingsAndFinancings
|
147243000 | usd |
| CY2022 | nu |
Payments Principal
PaymentsPrincipal
|
-10633000 | usd |
| CY2021 | nu |
Payments Principal
PaymentsPrincipal
|
-66403000 | usd |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Borrowings Explanatory
DescriptionOfAccountingPolicyForBorrowingsExplanatory
|
Bank of America México, S.A., Institución de Banca Múltiple (“BofA”) in the amount equivalent to US$30,000 on the issuance dates, with interest equivalent to 12.48% (Mexican Interbanking Equilibrium Interest Rate (“TIIE 182” + 1.40%) per annum as of December 31, 2022 (equivalent to 7.42% per annum as of December 31, 2021), and maturity date in July 2023. | |
| CY2022 | nu |
Description Of Accounting Policy For Borrowings Explanatory1
DescriptionOfAccountingPolicyForBorrowingsExplanatory1
|
JPMorgan México ("JP Morgan") in the total amount equivalent to US$80,000 on the issuance dates, with interest from 12.08% to 12.53% (TIIE 182 + 1.45% and TIIE 182 + 1.0%, respectively) per annum as of December 31, 2022 (from 7.02% to 7.47% per annum as of December 31, 2021), and maturity dates in November 2024 and July 2024. | |
| CY2021Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
147243000 | usd |
| CY2022 | nu |
Addition Due To Business Combination
AdditionDueToBusinessCombination
|
4729000 | usd |
| CY2022 | nu |
Net Borrowings
NetBorrowings
|
581142000 | usd |
| CY2022 | nu |
Borrowings Payments Principal
BorrowingsPaymentsPrincipal
|
-159983000 | usd |
| CY2022 | nu |
Borrowings Payments Of Interest
BorrowingsPaymentsOfInterest
|
-30756000 | usd |
| CY2022 | nu |
Interest Accrued1
InterestAccrued1
|
31074000 | usd |
| CY2022 | nu |
Effect Of Changes In Exchange Rates Of Borrowings
EffectOfChangesInExchangeRatesOfBorrowings
|
12119000 | usd |
| CY2022Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
585568000 | usd |
| CY2020Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
97454000 | usd |
| CY2021 | nu |
Net Borrowings
NetBorrowings
|
116349000 | usd |
| CY2021 | nu |
Borrowings Payments Principal
BorrowingsPaymentsPrincipal
|
-60523000 | usd |
| CY2021 | nu |
Borrowings Payments Of Interest
BorrowingsPaymentsOfInterest
|
-7056000 | usd |
| CY2021 | nu |
Interest Accrued1
InterestAccrued1
|
6225000 | usd |
| CY2021 | nu |
Effect Of Changes In Exchange Rates Of Borrowings
EffectOfChangesInExchangeRatesOfBorrowings
|
-5206000 | usd |
| CY2021Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
147243000 | usd |
| CY2019Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
133401000 | usd |
| CY2020 | nu |
Net Borrowings
NetBorrowings
|
17974000 | usd |
| CY2020 | nu |
Borrowings Payments Principal
BorrowingsPaymentsPrincipal
|
-27893000 | usd |
| CY2020 | nu |
Borrowings Payments Of Interest
BorrowingsPaymentsOfInterest
|
-1348000 | usd |
| CY2020 | nu |
Interest Accrued1
InterestAccrued1
|
3685000 | usd |
| CY2020 | nu |
Effect Of Changes In Exchange Rates Of Borrowings
EffectOfChangesInExchangeRatesOfBorrowings
|
-28365000 | usd |
| CY2020Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
97454000 | usd |
| CY2021Q4 | nu |
Balance At Beginning Of Year
BalanceAtBeginningOfYear
|
10011000 | usd |
| CY2020Q4 | nu |
Balance At Beginning Of Year
BalanceAtBeginningOfYear
|
79742000 | usd |
| CY2019Q4 | nu |
Balance At Beginning Of Year
BalanceAtBeginningOfYear
|
169925000 | usd |
| CY2022 | nu |
Borrowings Interest Accrued
BorrowingsInterestAccrued
|
84000 | usd |
| CY2021 | nu |
Borrowings Interest Accrued
BorrowingsInterestAccrued
|
1904000 | usd |
| CY2020 | nu |
Borrowings Interest Accrued
BorrowingsInterestAccrued
|
4633000 | usd |
| CY2020 | nu |
Payments Principal
PaymentsPrincipal
|
-52172000 | usd |
| CY2022 | nu |
Payments Interest
PaymentsInterest
|
-134000 | usd |
| CY2021 | nu |
Payments Interest
PaymentsInterest
|
-1976000 | usd |
| CY2020 | nu |
Payments Interest
PaymentsInterest
|
-4819000 | usd |
| CY2022 | nu |
Borrowings Effect Of Changes In Exchange Rates Oci
BorrowingsEffectOfChangesInExchangeRatesOci
|
672000 | usd |
| CY2021 | nu |
Borrowings Effect Of Changes In Exchange Rates Oci
BorrowingsEffectOfChangesInExchangeRatesOci
|
-3256000 | usd |
| CY2020 | nu |
Borrowings Effect Of Changes In Exchange Rates Oci
BorrowingsEffectOfChangesInExchangeRatesOci
|
-37825000 | usd |
| CY2021Q4 | nu |
Balance At End Of Year
BalanceAtEndOfYear
|
10011000 | usd |
| CY2020Q4 | nu |
Balance At End Of Year
BalanceAtEndOfYear
|
79742000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Other Provisions Contingent Liabilities And Contingent Assets Explanatory
DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory
|
<p id="xdx_804_eifrs-full--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory_zkxi1oMjDiql" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">23. <span id="xdx_82B_zlgTNFR8emUh">Provision for lawsuits and administrative proceedings</span></p> <table cellpadding="0" cellspacing="0" id="xdx_883_eifrs-full--DisclosureOfOtherProvisionsExplanatory_zupzWomTXnja" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Provision for lawsuits and administrative proceedings (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zxCjdFEh69A7" style="display: none">Schedule of Provision for judicial and administrative proceedings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 66%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">15,747</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z7xBP9W9t5bc" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">17,081</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Civil risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">2,096</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z4L1qUuCmNq2" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">980</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Labor risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">104</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zAo1Ko50yVX5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">21</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231_z6X6zyVdh09d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%"><b>17,947</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231_zuo4L5ZCtrH" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%"><b>18,082</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company and its subsidiaries are parties to lawsuits and administrative proceedings arising from the ordinary course of operations, involving tax, civil and labor matters. Such matters are being discussed at the administrative and judicial levels, which, when applicable, are supported by judicial deposits. The provisions for probable losses arising from these matters are estimated and periodically adjusted by management, supported by external legal advisors’ opinion. There is significant uncertainty relating to the timing of any cash outflow, if any, for civil and labor risk.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Provision</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Regarding tax risks, a provision in the amount of US$<span id="xdx_904_eifrs-full--EstimatedFinancialEffectOfContingentLiabilities_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--ProvisionForTaxMember_pn3n3" title="Estimated financial effect of contingent liabilities">15,747</span> as of December 31, 2022 (US$<span id="xdx_90D_eifrs-full--EstimatedFinancialEffectOfContingentLiabilities_iI_pn3n3_c20211231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--ProvisionForTaxMember_za2PcDl5uQYd" title="Estimated financial effect of contingent liabilities">17,081</span> on December 31, 2021) mainly refers to a potential legal obligation related to the increase in the contribution of certain Brazilian taxes (PIS and COFINS). The Group has a judicial deposit in the amount related to this claim, as shown below in item d). In June 2019, Nu withdrew the lawsuit and is currently awaiting the release of the judicial deposits to the Brazilian Tax Authorities.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Civil lawsuits are mainly related to credit card operations. Based on management’s assessment and inputs from Nu’s external legal advisors, the Group has provisioned US$<span id="xdx_908_ecustom--LegalProceedingsProvision1_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zPPb0PlOrGP4" title="Legal Proceedings Provision1">2,096</span> (US$<span id="xdx_908_ecustom--LegalProceedingsProvision1_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zdFrYjQExjqe" title="Legal Proceedings Provision1">980</span> on December 31, 2021) considered sufficient to cover estimated losses from civil suits deemed probable.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Changes</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Changes to provision for lawsuits and administrative proceedings are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--ScheduleOfReconciliationOfProvisionForLegalAndAdministrativeProceedingsTableTextBlock_zPLul9BtXVHi" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Provision for lawsuits and administrative proceedings (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B4_zhiWxu41rKA4" style="display: none">Changes to provision for lawsuits and administrative proceedings are as follows</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 49%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Tax</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Civil</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Labor</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z8XZLX8djBI9" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>17,081</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zGnhYsrTbFc6" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>980</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zqb41wPsW1hk" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>21</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Additions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z0xsXlawWaRa" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5600">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zjlAbHIfsH83" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">1,942</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zJOQn8acs841" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">100</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments / Reversals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zLIb1RtmNAA6" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(2,341)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zgNLsaBK6zn5" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(857)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zQHLkwS0Ykej" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(18)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zFwf7zvKqDJc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">1,007</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zCtOJoXqX4ih" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">31</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zWdhftnhsq37" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">1</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zXQvFfm4N0s6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>15,747</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zMzVN98AMu9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>2,096</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zuoxePfafhXj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>104</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 49%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Tax</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Civil</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Labor</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zcpvTe1tncqc" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>15,995</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zKvhz50ofb81" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>470</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zFgXY0V3wkvb" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Additions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zTOkruP2r1G1" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">2,240</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--AdditionalProvisionsOtherProvisions_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">2,204</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--AdditionalProvisionsOtherProvisions_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">18</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments / Reversals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zMQQDwOQmYH6" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5636">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zk2mnxPBdHfj" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(1,644)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zyGyGQo0pI45" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5640">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zByI4pOIOXC1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(1,154)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(50)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(1)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zVyKf7EhWfr1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>17,081</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zm1Ij7uB0XW2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>980</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zLhRnz4BIBY6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>21</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; width: 49%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Tax</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Civil</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Labor</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zs1TTdPaHzob" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>20,631</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zu5okxtvN8Ge" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>300</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zQI1OO209S06" style="padding: 2pt; text-align: right; line-height: 115%" title="Balance at beginning of the year"><span style="font-size: 8pt; line-height: 115%"><b>21</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Additions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_ztUfQVVqYWa9" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5660">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z41RP4U3qakk" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">1,472</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zgI96nOq9xA4" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">2</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments / Reversals</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zsP3h6PEs6Fg" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5666">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zhsQs8tz3HV3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(1,234)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zmlaB4uA3GRa" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(13)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zCE3DOmpcWV7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(4,636)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z7pliTHdRGZa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(68)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zwLIeCU7eVHl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt; line-height: 115%">(6)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zbq1hhRWs7o5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>15,995</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zjOyd2LzPPm5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>470</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20200101__20201231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zQIvJGRiQck4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Balance at end of the year"><span style="font-size: 8pt; line-height: 115%"><b>4</b></span></td></tr> </table> <p id="xdx_8AB_zxYhizlS1tOe" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Contingencies</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group is a party to civil and labor lawsuits, involving risks classified by management and the legal advisors as possible losses, totaling approximately US$<span id="xdx_90F_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiability2Member_zSmzxRXu3SL9" title="Legal proceedings provision">7,128</span> and US$<span id="xdx_904_ecustom--LegalProceedingsProvision1_iI_pn3n3_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiability2Member_ze1OMMoytPw9" title="Legal Proceedings Provision1">1,814</span>, respectively (US$<span id="xdx_904_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiability2Member_z6Xh033HHlE8" title="Legal proceedings provision">4,365</span> and US$<span id="xdx_90C_ecustom--LegalProceedingsProvision1_iI_pn3n3_c20211231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiability2Member_zAti441bvu26" title="Legal Proceedings Provision1">454</span> on December 31, 2021). Based on management’s assessment and inputs from the Group’s external legal advisors, no provision was recognized for those lawsuits as of December 31, 2022, and 2021.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Judicial deposits</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, the total amount of judicial deposits shown as “Other assets” (note 17) is US$<span id="xdx_90B_ecustom--JudicialDeposits_c20220101__20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--SocialSecurityMember_pn3n3" title="Judicial deposits">18,864</span> (US$<span id="xdx_90C_ecustom--JudicialDeposits_pn3n3_c20210101__20211231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--SocialSecurityMember_z8iJAn7cMcj2" title="Judicial deposits">17,480</span> on December 31, 2021) and is substantially related to the tax proceedings.</p> | |
| CY2022 | ifrs-full |
Disclosure Of Other Provisions Explanatory
DisclosureOfOtherProvisionsExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_883_eifrs-full--DisclosureOfOtherProvisionsExplanatory_zupzWomTXnja" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Provision for lawsuits and administrative proceedings (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zxCjdFEh69A7" style="display: none">Schedule of Provision for judicial and administrative proceedings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 66%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">15,747</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z7xBP9W9t5bc" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">17,081</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Civil risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">2,096</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z4L1qUuCmNq2" style="padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">980</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Labor risks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">104</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zAo1Ko50yVX5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%">21</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231_z6X6zyVdh09d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%"><b>17,947</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20211231_zuo4L5ZCtrH" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Legal proceedings provision"><span style="font-size: 7.5pt; line-height: 115%"><b>18,082</b></span></td></tr> </table> | |
| CY2022Q4 | ifrs-full |
Legal Proceedings Provision
LegalProceedingsProvision
|
17947000 | usd |
| CY2021Q4 | ifrs-full |
Legal Proceedings Provision
LegalProceedingsProvision
|
18082000 | usd |
| CY2022 | nu |
Deferred Revenue From Rewards Program
DeferredRevenueFromRewardsProgram
|
34546000 | usd |
| CY2021 | nu |
Deferred Revenue From Rewards Program
DeferredRevenueFromRewardsProgram
|
25462000 | usd |
| CY2022 | nu |
Deferred Annual Fee
DeferredAnnualFee
|
3283000 | usd |
| CY2021 | nu |
Deferred Annual Fee
DeferredAnnualFee
|
4673000 | usd |
| CY2022 | nu |
Other Deferred Income
OtherDeferredIncome
|
3859000 | usd |
| CY2021 | nu |
Other Deferred Income
OtherDeferredIncome
|
522000 | usd |
| CY2022 | nu |
Deferred Tax Expense Income2
DeferredTaxExpenseIncome2
|
41688000 | usd |
| CY2021 | nu |
Deferred Tax Expense Income2
DeferredTaxExpenseIncome2
|
30657000 | usd |
| CY2022 | nu |
Share Price1
SharePrice1
|
1.00 | |
| CY2022 | ifrs-full |
Disclosure Of Related Party Explanatory
DisclosureOfRelatedPartyExplanatory
|
<p id="xdx_806_eifrs-full--DisclosureOfRelatedPartyExplanatory_zp01MLxEGcLe" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">25. <span id="xdx_823_zSPHPPecUnKk">Related parties</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In the ordinary course of business, the Group may have issued credit cards or loans to Nu’s executive directors, board members, key employees and close family members. Those transactions, as well as the deposits and other products, as investments, occur on similar terms as those prevailing at the time for comparable transactions to unrelated persons and do not involve more than the normal risk of collectability.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As described in note 3, "Basis of consolidation", all companies from the Group are consolidated in these consolidated financial statements. Therefore, related party balances and transactions, and any unrealized income and expenses arising from inter-company transactions, are eliminated in the consolidated financial statements.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In 2022, the exchange differences arising from intercompany loans between entities of the group with different functional currencies are shown as “Interest income and gains (losses) on financial instruments” in the statement of profit (loss).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"><b>a) Transactions with other related parties</b></p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfTransactionsWithTheirRelatedPartiesTableTextBlock_znmTlsEVCH7k" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Related parties (Details)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> <span id="xdx_8B2_z2g7O3B7Yb27" style="display: none">Schedule of transactions with other related parties</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20220101__20221231__custom--CategoriesOfRevenueExpensesAxis__custom--OtherRelatedPartiesAssetsAndLiabilitiesMember_zO3muO7e86l1" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20210101__20211231__custom--CategoriesOfRevenueExpensesAxis__custom--OtherRelatedPartiesAssetsAndLiabilitiesMember_zAlwSto5zgUb" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Assets/ (Liabilities)</b></span></td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--OtherRelatedParties_pn3n3_zqEGSOUHtKcf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">316</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">299</span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20220101__20221231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zF0iDjhwLt2f" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zZt3BjZeP7he" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20200101__20201231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zgsqh6WFERp9" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Revenues (expenses)</b></span></td></tr> <tr> <td style="padding: 2pt; width: 59%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--OtherRelatedParties_pn3n3_zGITF6ak0ong" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,112)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,685)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5726">-</span></span></td></tr> </table> <p id="xdx_8A5_zjf3nJuFHgf8" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On June 30, 2021, the Group entered into a service and naming rights agreement with Rodamoinho Produtora de Eventos Ltda., owned by a former member of the Company’s Board of Directors ("Board"). This director has not been a member of the Board since September, 2022, when the Company ceased recognizing Rodamoinho as a related party. In addition, on April 12, 2022 and July 15, 2022 the Group made payments for training and workshops provided by Reprograma, a philanthropic project managed by a family member of the Company’s controlling shareholder.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><b>b) Management compensation</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 10pt; text-align: justify">There are no significant post-employment benefits, such as pensions and other retirement benefits. The remuneration of the directors and other key management personnel of the Company is set out in aggregate below.</p> <table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--ScheduleOfMangementCompensationTableTextBlock_zyytb2Px4Dkc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Related parties (Details 1)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_za9xgweyIPj8" style="display: none">Schedule of management compensation</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20220101__20221231_zLn6NE66jIAh" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zdIBYhcfEXy6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20200101__20201231_z8zGFeoRWcL6" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Consolidated statements of profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_406_ecustom--FixedAndVariableCompensation_pn3n3_zjUpD3RCe87l" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fixed and variable compensation <span id="xdx_F4F_zILYsfskIFl9">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">122,892</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">34,252</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,029</span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%"> <tr style="vertical-align: top"> <td id="xdx_F0A_z4bbPTTG3la" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F11_zUQnV1VfaTv2" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The Contingent Share Award (CSA) termination is not included in the management compensation. Although Nu recognized the expense, Mr. David Vélez has forfeited the right to receive the amount.</td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Management compensation includes the compensation of remunerated members of the Board of Directors and of Executive Officers, which increased mainly due to the recognition of the 2021 Contingent Share Award (CSA) expenses until the date of its termination.</span></p> | |
| CY2022 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
122892000 | usd |
| CY2021 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
34252000 | usd |
| CY2020 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
9029000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Measurement Explanatory
DisclosureOfFairValueMeasurementExplanatory
|
<p id="xdx_80C_eifrs-full--DisclosureOfFairValueMeasurementExplanatory_zb0L43PjEWmd" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">26. <span id="xdx_82A_zsbCrMUlLN25">Fair value measurement</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The main valuation techniques employed in internal models to measure the fair value of the financial instruments on December 31, 2022 and 2021 are set out below. The principal inputs into these models are derived from observable market data. The Group did not make any material changes to its valuation techniques and internal models in those periods.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Fair value of financial instruments carried at amortized cost</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables show the fair value of the financial instruments carried at amortized cost on December 31, 2022, and 2021. The Group has not disclosed the fair values of financial instruments such as compulsory and other deposits at central banks, other financial assets at amortized cost, deposits in electronic money, RDB, RDB-V, time deposit, and borrowings and financing, because their carrying amounts are a reasonable approximation of fair value.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--SummaryOfFairValueMeasurementOfAssetsTableTextBlock_zklxldXW21ag" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Fair value measurement (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B0_zyXZBOlKSwdj" style="display: none">Schedule of fair value at amortized cost</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 31%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Book value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 3</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Book value</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 7pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 3</b></p></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--MandatoryReserveDepositsAtCentralBank_iI_pn3n3_c20221231_zIDQPb3hYPIk" style="padding: 2pt; text-align: right; line-height: 115%" title="Compulsory deposits at central banks"><span style="font-size: 7pt; line-height: 115%">2,778,019</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--MandatoryReserveDepositsAtCentralBank_iI_pn3n3_c20211231_zNOQOeowpgBa" style="padding: 2pt; text-align: right; line-height: 115%" title="Compulsory deposits at central banks"><span style="font-size: 7pt; line-height: 115%">938,659</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Credit card receivables (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LoansAndReceivables1_iI_pn3n3_c20221231_fKGkp_zcXIuc41F1g8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%">8,233,123</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_z8VDa0TUSOIk" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5745">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zTx7GOxP69J1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%">8,204,077</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--LoansAndReceivables1_iI_pn3n3_c20211231_fKGkp_ziBRkvW0Ira6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%">4,780,520</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zcS2ern0Tmaf" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5751">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LoansAndReceivables_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zqv4iu0svTk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card receivables"><span style="font-size: 7pt; line-height: 115%">4,161,785</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Loans to customers (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20221231_fKGkp_zF1yW8mxI3U4" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%">1,676,276</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--LoansAndAdvancesToCustomers_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zL6XWJZOBz3a" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5757">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--LoansAndAdvancesToCustomers_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zTG1I3FGmnb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%">1,920,518</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20211231_fKGkp_zqjTGg6Mk882" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%">1,194,814</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--LoansAndAdvancesToCustomers_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zuCPAltRtuVk" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5763">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--LoansAndAdvancesToCustomers_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zBD1vtV81Z24" style="padding: 2pt; text-align: right; line-height: 115%" title="Loans to customers"><span style="font-size: 7pt; line-height: 115%">1,324,513</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Other receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherReceivables_iI_pn3n3_c20221231_z6yfnGKl5kD1" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%">521,670</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zQsJsqIv20P7" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5769">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--OtherReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zCUfZCXBiU24" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%">522,359</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--OtherReceivables_iI_pn3n3_c20211231_zS3ZJBHUM1D7" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%">50,349</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--OtherReceivables_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zjHMToh13Wde" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5775">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--OtherReceivables_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zOnZSw0zwqS6" style="padding: 2pt; text-align: right; line-height: 115%" title="Other receivables"><span style="font-size: 7pt; line-height: 115%">50,400</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Other financial assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--OtherFinancialAssets_iI_pn3n3_c20221231_zns1JC0Spz1g" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other financial assets"><span style="font-size: 7pt; line-height: 115%">478,283</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--OtherFinancialAssets_iI_pn3n3_c20211231_zpUQCpmp5bHc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other financial assets"><span style="font-size: 7pt; line-height: 115%">18,493</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--AmortisedCostAssets_iI_pn3n3_c20221231_zerf99R71ZPf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>13,687,371</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--AmortisedCostAssets1_iI_pn3n3_c20221231_zjfUHsNhuKLc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5785">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--AmortisedCostAssets2_iI_pn3n3_c20221231_zFLlUk5cWBG6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>10,646,954</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--AmortisedCostAssets_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>6,982,835</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--AmortisedCostAssets1_c20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5791">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--AmortisedCostAssets2_iI_pn3n3_c20211231_z9DWBh57nf1a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>5,536,698</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Deposits in electronic money</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DepositsFromElectronicMoney_iI_pn3n3_c20221231_zvyt5FA3zC0h" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits in electronic money"><span style="font-size: 7pt; line-height: 115%">1,534,582</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DepositsFromElectronicMoney_iI_pn3n3_c20211231_zg181FaAat57" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits in electronic money"><span style="font-size: 7pt; line-height: 115%">1,888,454</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Deposits - RDB and RDB-V</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--RdbAndRdbV_iI_pn3n3_c20221231_zPBC5KnahZz4" style="padding: 2pt; text-align: right; line-height: 115%" title="RDB and RDB-V"><span style="font-size: 7pt; line-height: 115%">14,273,959</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--RdbAndRdbV_iI_pn3n3_c20211231_zGzKckAoxtp1" style="padding: 2pt; text-align: right; line-height: 115%" title="RDB and RDB-V"><span style="font-size: 7pt; line-height: 115%">7,759,665</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TimeDeposits1_iI_pn3n3_c20221231_z4JNOFbjbPk9" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposit"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5803">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TimeDeposits1_iI_pn3n3_c20211231_zsUZZDZOl0dk" style="padding: 2pt; text-align: right; line-height: 115%" title="Time deposit"><span style="font-size: 7pt; line-height: 115%">19,181</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Payables to network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231_zOmUx6TsEoT3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%">7,054,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zGNhiV6xzkde" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%">6,399,704</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z0hvHOViHH3h" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5811">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20211231_zj1W7vwoVVJ5" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%">4,882,159</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z7KQmineJGZf" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%">4,755,304</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zX8QCCBNeqs4" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to network"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5817">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--Borrowings_iI_pn3n3_c20221231_zuzeyiaABHtd" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Borrowings_iI_pn3n3_c20211231_zKKbTnWWailc" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7pt; line-height: 115%">147,243</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%">Securitized borrowings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--SecuritizedBorrowings_iI_pn3n3_c20221231_zs9Ir2So12Dl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Securitized borrowings"><span style="font-size: 7pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5823">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--SecuritizedBorrowings_iI_pn3n3_c20211231_zE1HfQ5GN9Kb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Securitized borrowings"><span style="font-size: 7pt; line-height: 115%">10,011</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--AmortisedCostLiabilities_iI_pn3n3_c20221231_zbRBd6jmoW2f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>23,448,892</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Liabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z6N7rh2Rg1il" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>6,399,704</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--AmortisedCostLiabilities_iI_pn3n3_c20211231_zxRBSLSi2gqd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>14,706,713</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Liabilities_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zkSPzNZyletg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 7pt; line-height: 115%"><b>4,755,304</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7pt; line-height: 115%"><b>-</b></span></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td id="xdx_F0D_zNhkPgrfsM8k" style="width: 0.25in">(i)</td><td id="xdx_F1D_zE7WKESfUhe5" style="text-align: justify">It excludes the fair value adjustment from the hedge accounting.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The book value from credit card receivables and loans to customers includes the amounts that are the subject of the portfolio hedge, described in note 18. The credit risk components for both receivables are not part of the hedge strategy.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Borrowings and financing fair value is equal to the book value given that any prepayment shall be equal to the total outstanding amount. The fair value of floating rate demand deposits are assumed to be equal to carrying values.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The valuation approach to specific categories of financial instruments is described below.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">i) Fair value models and inputs</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Credit card: </b>The fair values of credit card receivables and payables to the network are calculated using the discounted cash flow method. Fair values are determined by discounting the contractual cash flows by the interest rate curve. For payables, cash flows are also discounted by the Group's own credit spread. For receivables, fair values exclude expected losses. For past due receivables, the Group used the recovery rate of late payments as an input that is not directly observable and was estimated using the Group's internal databases.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Loans to customers: </b>Fair value is estimated based on groups of clients with similar risk profiles, using valuation models. The fair value of a loan is determined by discounting the contractual cash flows by the risk-free interest rate curve and a credit spread. For past due receivables, the Group used the rate of recovery of late payments as an input that is not directly observable and was estimated using the Group's internal databases.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Other receivables:</b> Fair value is calculated by discounting future cash flows by a risk-free interest rate and a credit spread.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Fair value of financial instruments measured at fair value</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify">The following table shows a summary of the fair values, as of December 31, 2022, and 2021, of the financial assets and liabilities indicated below, classified on the basis of the various measurement methods used by the Group to determine their fair value:</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfFairValueMeasurementTableTextBlock_zjZlmZd8PqAa" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Fair value measurement (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8BC_zN7mCfpcrRqk" style="display: none">Schedule of fair value measurement</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Published price quotations in active markets</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(Level 1)</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Internal Models (Level 2)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Internal Models</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(Level 3)</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--Assets_c20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">8,222,278</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zhQq611wHem8" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5840">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_eifrs-full--Assets_c20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_pdn3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5842">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_eifrs-full--Assets_c20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember_pn3n3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">8,222,278</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">United States</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zkVR47V24rO1" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">171,184</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zFIfLg5bOcQ3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5848">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_983_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zXwLBRIJcTV8" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5850">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember_zS7HysEXrTs" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">171,184</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Mexico</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zzv2ejrHihr" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">1,382</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zoqetOoAOrmb" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5856">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zU1QKAVj8TG7" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5858">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember_zR22ZeOsPSac" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">1,382</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Certificate of bank deposits (CDB)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z3J7tHoRLtbh" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5862">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zojkDtLLYnCa" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">3,712</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z5MBFuJC9Lhc" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5866">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231_z537bRmHHz8g" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">3,712</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Investment funds</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--InvestmentFunds_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zCuhcKIqD9ga" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5870">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_ecustom--InvestmentFunds_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">302,779</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_ecustom--InvestmentFunds_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zFRiOUUcj8F7" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5874">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_986_ecustom--InvestmentFunds_iI_pn3n3_c20221231_zfzSAkEvBJVl" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">302,779</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Time deposit</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--TimeDeposit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z3en0YO4tds2" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5878">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--TimeDeposit_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">446,436</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zljxu9FUrjzb" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5882">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_ecustom--TimeDeposit2_iI_pn3n3_c20221231_zLX9gyR64To9" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">446,436</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bill of credit (LC)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--BillOfCredit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zR8Qba7rsFde" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5886">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--BillOfCredit_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt">138</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--BillOfCredit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zoxhLB3TV7X6" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5890">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--BillOfCredit_iI_pn3n3_c20221231_zy4fdcREhhd4" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt">138</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness certificate of receivables (CRIs/CRAs)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z0bnVP1hKVEf" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">2</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98C_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zQmegxGZi0i8" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">32,173</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zEGkWehl4sG9" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5898">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231_z0IujOqDnF3i" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">32,175</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness letter of credit (LCIs/LCAs)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zUYbQS29wK9i" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5902">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_982_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt">1,197</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zG6GxvQUp6Zc" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5906">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231_zE6hgY3ZLaE3" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt">1,197</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Debentures_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zqdMIPeXY3oa" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt">676,953</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--Debentures_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt">158,675</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--Debentures_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zg4s2YiHLc14" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5914">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_ecustom--Debentures_iI_pn3n3_c20221231_zfmANww9VhD" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt">835,628</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity instrument</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zHhLdvksbRi6" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5918">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_987_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zH8QhF9DUW2d" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5920">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zrKukrDpJu9d" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">22,082</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--EquityInstrument_iI_pn3n3_c20221231_z7YajNkz77s9" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">22,082</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zbDRbAbPuYmj" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">2,154</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zsDIu8ev0ql" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">11,423</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zc4u8ZpPyqjh" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">27,908</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231_zPHqZ4oNzwzh" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">41,485</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Collateral for credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zInlOqzG9lF1" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5934">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--CollateralForCreditCardOperations_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">305</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zSI90nqtc8Fg" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5938">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20221231_z1P5cnVMOPtb" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">305</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zgVbRi7QY9S4" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">384</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zxM89ZA35i9f" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">9,041</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zusc0bV0QNJ9" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5946">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231_zbr23uzpdW75" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">9,425</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zJ5N0maKHnBc" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5950">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zH8h4LkK5SBe" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">11,507</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zXIJmE7vSMU3" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5954">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_982_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231_zIP13MdBpRSg" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">11,507</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Repurchase agreements</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zTrVPbFT0e0g" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5958">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--RepurchaseAgreements_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_pn3n3" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">197,242</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zu9r01FOwzP8" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5962">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231_zljwSRGy2PKg" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">197,242</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Published price quotations in active markets</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(Level 1)</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Internal Models (Level 2)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Internal Models</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(Level 3)</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Assets</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazil</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zz9knfYvqGe3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">6,646,188</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zIZw3AO6jpN1" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5968">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98C_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zC9uJJSFyryj" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5970">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember_z2LeLxHtD0Ij" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">6,646,188</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">United States</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zdNqDf8miSpk" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">830,124</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_983_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zRPKqvhaOPP1" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5976">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_982_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zEz6VABi85Rd" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5978">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember_zgiVBTueqUAa" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">830,124</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Colombia</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zF6duT1zxPw9" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">504</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zonkhzKivDf8" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5984">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zpE8GN3fa7ql" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5986">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98F_eifrs-full--Assets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember_zwXS59ebe9pb" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">504</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Certificate of bank deposits (CDB)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--DepositsFromBanks_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z3y707va4kl5" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5990">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_eifrs-full--DepositsFromBanks_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zKm3T56WXLBb" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">81,810</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_eifrs-full--DepositsFromBanks_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zsmzFkQK23l6" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5994">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_eifrs-full--DepositsFromBanks_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">81,810</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Investment funds</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--InvestmentFunds_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z0rnP3jz7XF4" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5998">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_ecustom--InvestmentFunds_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zSJaQvKyg8T1" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">146,884</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--InvestmentFunds_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zT79LcUBnkhd" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6002">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_ecustom--InvestmentFunds_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">146,884</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Time deposit</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zAJiNvfc0Ztf" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6006">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z4hjQbGgDhUg" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">1,119,682</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zxqS4glgmo8l" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6010">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_ecustom--TimeDeposit2_iI_pn3n3_c20211231_z4ljrnEZSqD3" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">1,119,682</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bill of credit (LC)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--BillOfCredit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z3P0SmsEIz2c" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6014">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--BillOfCredit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zwZwWqOLmeo3" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt">14</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_ecustom--BillOfCredit_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zotrTRimnQDb" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6018">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_986_ecustom--BillOfCredit_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Bill of credit"><span style="font-size: 8pt">14</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness letter of credit (CRIs/CRAs)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zzRd61poYsF6" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6022">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zXV5KovMYoLc" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt">1,508</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zkMcrkwl0yIc" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6026">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit (CRIs/CRAs)"><span style="font-size: 8pt">1,508</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Corporate bonds and debentures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--Debentures_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z7Nbn2JUp6j1" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6030">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_ecustom--Debentures_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z7USEJHyT1L3" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt">121,783</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--Debentures_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zHuS0pExtep" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6034">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_ecustom--Debentures_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Debentures"><span style="font-size: 8pt">121,783</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Stocks issued by public-held company</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--StocksIssuedByPublicheldCompany_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zDLBk2uo6iUl" style="padding: 2pt; text-align: right" title="Stocks issued by public-held company"><span style="font-size: 8pt">158</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_ecustom--StocksIssuedByPublicheldCompany_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zk4TqXNn9Eff" style="padding: 2pt; text-align: right" title="Stocks issued by public-held company"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6040">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_986_ecustom--StocksIssuedByPublicheldCompany_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zu6wstfJi3qj" style="padding: 2pt; text-align: right" title="Stocks issued by public-held company"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6042">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_ecustom--StocksIssuedByPublicheldCompany_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Stocks issued by public-held company"><span style="font-size: 8pt">158</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity instrument</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--EquityInstrument_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zjHQFhyitBoe" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6046">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98A_ecustom--EquityInstrument_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zkoXA9YVo73d" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6048">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_ecustom--EquityInstrument_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zdxYekrGBl7l" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">30,735</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_983_ecustom--EquityInstrument_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">30,735</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zWQs6dEWR7qg" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">81,538</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zNQpkmv0WGs4" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">24</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_980_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zmVDvTguiexe" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">19,756</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_986_ecustom--DerivativeFinancialInstruments_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">101,318</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Collateral for credit card operations</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zxK9Ft42u061" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6062">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zxVLQLPl5Mfk" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">1,052</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_981_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zBrC9rAAUJV4" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6066">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_986_ecustom--CollateralForCreditCardOperations_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">1,052</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Liabilities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z4wjiY2TnJt" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">87,271</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_988_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_ztC2UBrUS7y2" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">7</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zIRMzAG80ogi" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6074">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98B_eifrs-full--DerivativeFinancialLiabilities_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">87,278</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zPW6amC0A29b" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6078">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98C_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z8FVdwVHbI2d" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">12,056</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z8scXHBqs42d" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6082">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--InstrumentsEligibleAsCapital_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">12,056</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Repurchase agreements</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--RepurchaseAgreements_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z9o45nZo8UZ1" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6086">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_985_ecustom--RepurchaseAgreements_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zt2zkqaq0pbj" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">3,046</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_iI_pn3n3_c20211231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zf0dcYHo3Tf7" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6090">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_989_ecustom--RepurchaseAgreements_c20211231_pn3n3" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">3,046</span></td></tr> </table> <p id="xdx_8AD_zMrUqXGRiZK2" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>i) Fair value models and inputs</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Securities:</b> The securities with high liquidity and quoted prices in the active market are classified as level 1. All the government bonds and some corporate bonds are included in level 1 as they are traded in active markets. Brazilian securities values are the published prices by the 'Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais' (“Anbima”). For US, Mexico and Colombia bonds, fair values are the published prices by Bloomberg. Other corporate bonds and investment fund shares, whose valuation is based on observable data, such as interest rates and interest rate curves, are classified as level 2.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Derivatives</b>: Derivatives traded on stock exchanges are classified as level 1 of the hierarchy. Derivatives traded on the Brazilian stock exchange are fairly valued using B3 quotations. Interest rate OTC Swaps are valued by discounting future expected cash flows to present values using interest rate curves and are classified as level 2. The embedded derivative conversion feature from the senior preferred share was calculated based on methodologies for the share price described in note 10. The options related to the warrant from Creditas Partnership are fair valued using a Black-Scholes model and are classified as level 3.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Equity instrument: </b>For the fair value of the equity instrument, the Group used contractual conditions as inputs that are not directly observable, and therefore it is classified as level 3.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Instruments eligible as capital:</b> If the instrument has an active market, prices quoted in this market are used. Otherwise, valuation techniques are used, such as discounted cash flows, where cash flows are discounted by a risk-free rate and a credit spread. Instruments eligible as capital were designated at fair value through profit (loss) in the initial recognition (fair value option).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify"><b>Repurchase agreements:</b> The fair value is the transaction value itself given that repurchase agreement is a collateralized short-term one-day agreement;</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>c) Transfers between levels of the fair value hierarchy</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For the years ended December 31, 2022 and 2021, there were no transfers of financial instruments between levels 1 and 2 or between levels 2 and 3.</p> | |
| CY2022Q4 | nu |
Mandatory Reserve Deposits At Central Bank
MandatoryReserveDepositsAtCentralBank
|
2778019000 | usd |
| CY2021Q4 | nu |
Mandatory Reserve Deposits At Central Bank
MandatoryReserveDepositsAtCentralBank
|
938659000 | usd |
| CY2022Q4 | nu |
Loans And Receivables1
LoansAndReceivables1
|
8233123000 | usd |
| CY2021Q4 | nu |
Loans And Receivables1
LoansAndReceivables1
|
4780520000 | usd |
| CY2022Q4 | nu |
Loans And Advances To Customer
LoansAndAdvancesToCustomer
|
1676276000 | usd |
| CY2021Q4 | nu |
Loans And Advances To Customer
LoansAndAdvancesToCustomer
|
1194814000 | usd |
| CY2022Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
521670000 | usd |
| CY2021Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
50349000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2021Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
18493000 | usd |
| CY2022Q4 | nu |
Amortised Cost Assets
AmortisedCostAssets
|
13687371000 | usd |
| CY2022Q4 | nu |
Amortised Cost Assets2
AmortisedCostAssets2
|
10646954000 | usd |
| CY2021Q4 | nu |
Amortised Cost Assets
AmortisedCostAssets
|
6982835000 | usd |
| CY2021Q4 | nu |
Amortised Cost Assets2
AmortisedCostAssets2
|
5536698000 | usd |
| CY2022Q4 | nu |
Deposits From Electronic Money
DepositsFromElectronicMoney
|
1534582000 | usd |
| CY2021Q4 | nu |
Deposits From Electronic Money
DepositsFromElectronicMoney
|
1888454000 | usd |
| CY2022Q4 | nu |
Rdb And Rdb V
RdbAndRdbV
|
14273959000 | usd |
| CY2021Q4 | nu |
Rdb And Rdb V
RdbAndRdbV
|
7759665000 | usd |
| CY2021Q4 | nu |
Time Deposits1
TimeDeposits1
|
19181000 | usd |
| CY2022Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
7054783000 | usd |
| CY2021Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
4882159000 | usd |
| CY2022Q4 | ifrs-full |
Borrowings
Borrowings
|
585568000 | usd |
| CY2021Q4 | ifrs-full |
Borrowings
Borrowings
|
147243000 | usd |
| CY2021Q4 | nu |
Securitized Borrowings
SecuritizedBorrowings
|
10011000 | usd |
| CY2022Q4 | nu |
Amortised Cost Liabilities
AmortisedCostLiabilities
|
23448892000 | usd |
| CY2021Q4 | nu |
Amortised Cost Liabilities
AmortisedCostLiabilities
|
14706713000 | usd |
| CY2022Q4 | ifrs-full |
Deposits From Banks
DepositsFromBanks
|
3712000 | usd |
| CY2022Q4 | nu |
Investment Funds
InvestmentFunds
|
302779000 | usd |
| CY2022Q4 | nu |
Time Deposit2
TimeDeposit2
|
446436000 | usd |
| CY2022Q4 | nu |
Bill Of Credit
BillOfCredit
|
138000 | usd |
| CY2022Q4 | nu |
Real Estate And Agribusiness Certificate Of Receivables
RealEstateAndAgribusinessCertificateOfReceivables
|
32175000 | usd |
| CY2022Q4 | nu |
Real Estate And Agribusiness Letter Of Credit Criscras
RealEstateAndAgribusinessLetterOfCreditCriscras
|
1197000 | usd |
| CY2022Q4 | nu |
Debentures
Debentures
|
835628000 | usd |
| CY2022Q4 | nu |
Equity Instrument
EquityInstrument
|
22082000 | usd |
| CY2022Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
41485000 | usd |
| CY2022Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
305000 | usd |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
9425000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
11507000 | usd |
| CY2022Q4 | nu |
Repurchase Agreements
RepurchaseAgreements
|
197242000 | usd |
| CY2021Q4 | ifrs-full |
Deposits From Banks
DepositsFromBanks
|
81810000 | usd |
| CY2021Q4 | nu |
Investment Funds
InvestmentFunds
|
146884000 | usd |
| CY2021Q4 | nu |
Time Deposit2
TimeDeposit2
|
1119682000 | usd |
| CY2021Q4 | nu |
Bill Of Credit
BillOfCredit
|
14000 | usd |
| CY2021Q4 | nu |
Real Estate And Agribusiness Letter Of Credit Criscras
RealEstateAndAgribusinessLetterOfCreditCriscras
|
1508000 | usd |
| CY2021Q4 | nu |
Debentures
Debentures
|
121783000 | usd |
| CY2021Q4 | nu |
Stocks Issued By Publicheld Company
StocksIssuedByPublicheldCompany
|
158000 | usd |
| CY2021Q4 | nu |
Equity Instrument
EquityInstrument
|
30735000 | usd |
| CY2021Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
101318000 | usd |
| CY2021Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
1052000 | usd |
| CY2021Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
87278000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
12056000 | usd |
| CY2021Q4 | nu |
Repurchase Agreements
RepurchaseAgreements
|
3046000 | usd |
| CY2022 | nu |
Income Tax
IncomeTax
|
<p id="xdx_807_ecustom--IncomeTax_zydO1cSZ7tqg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">27. <span id="xdx_823_z0Vk8d1lyt0k">Income tax</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Current and deferred taxes are determined for all transactions that have been recognized in the consolidated financial statements using the provisions of the current tax laws. The current income tax expense or benefit represents the estimated taxes to be paid or refunded, respectively, for the current period. Deferred tax assets and liabilities are determined based on differences between the financial reporting and tax basis of assets and liabilities. They are measured using the tax rates and laws that will be in effect when the temporary tax differences are expected to reverse.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Income tax reconciliation</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="background-color: white">The tax on the Group's pre-tax profit differs from the theoretical amount that would arise using the weighted average tax rate applicable to profits of the consolidated entities. In August 2022, the Social Contribution tax rate in Brazil increased 1 percentage point, thus the combined income tax rate increased from <span id="xdx_90F_ecustom--TaxRateEffectFromChangeInTaxRateMinimum_pip0_dp_c20220801__20220831_zmqOyZWOwUae" title="Tax Rate Effect From Change In Tax Rate Minimum">40</span>% to <span id="xdx_90C_ecustom--TaxRateEffectFromChangeInTaxRateMaximum_pip0_dp_c20220801__20220831_zDOPXRrE7dmb" title="Tax Rate Effect From Change In Tax Rate Maximum">41</span>%. The change is effective from August 1 to December 31, 2022, and it only affects the subsidiaries Nu Pagamentos, Nu Financeira, Nu DTVM and Nu Invest. Thus, the following is a reconciliation of income tax expense to profit (loss) for the period, calculated by applying the combined Brazilian income tax rate of <span id="xdx_900_eifrs-full--TaxRateEffectFromChangeInTaxRate_pip0_dp_c20220101__20221231_zLx1NrEzVPHi" title="Tax rate effect from change in tax rate">41</span>% for the year ended </span>December 31<span style="background-color: white">, 2022, <span id="xdx_902_eifrs-full--TaxRateEffectFromChangeInTaxRate_pip0_dp_c20210101__20211231_zppqhOFPfn86" title="Tax rate effect from change in tax rate">45</span>% for the year ended </span>December 31<span style="background-color: white">, 2021, and <span id="xdx_90A_eifrs-full--TaxRateEffectFromChangeInTaxRate_pip0_dp_c20200101__20201231_zhGO57BAFTRg" title="Tax rate effect from change in tax rate">40</span>% for the year ended December 31, 2020:</span></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfIncomeTaxReconciliationTableTextBlock_zohIpaXeBf81" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income tax (Details)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span style="display: none"><span id="xdx_8B8_zjCpfxQwrWmd">Income tax reconciliation</span></span><span/></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231_zGhrKxcppEU3" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231_zr5R9GIdFo0i" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td id="xdx_49D_20200101__20201231_ziWbKbhsouY1" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr id="xdx_40E_ecustom--NetLossBeforeIncomeTax_pn3n3_zafN590g92g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Loss before income tax</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(308,901)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(170,164)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(193,178)</b></span></td></tr> <tr id="xdx_40D_eifrs-full--TaxRateEffectFromChangeInTaxRate_i_pdd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Tax rate <span id="xdx_F4B_zLCt94I1ZIjh">(i)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">41%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">45%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">40%</span></td></tr> <tr id="xdx_40B_ecustom--IncomeTaxBenefit_pn3n3_z1SbJbrf9oj2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Income tax benefit</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>126,649</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>76,574</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>77,271</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--PermanentAdditionsexclusions_i_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Permanent additions/exclusions</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40C_ecustom--SharebasedPayments_pn3n3_z2rTQrdyns62" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based payments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(11,757)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(41,418)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(8,639)</span></td></tr> <tr id="xdx_400_ecustom--CustomersGifts_pn3n3_zI6dHvuF8vKi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customers gifts</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(120)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(250)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(375)</span></td></tr> <tr id="xdx_400_ecustom--OperationalLossesAndOthers_pn3n3_zQXYxE4LrxA2" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Operational losses and others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(9,112)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(6,385)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,741)</span></td></tr> <tr id="xdx_407_ecustom--ChangesInIncomeTaxRate_pn3n3_ziJ0sv9IgXpa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Changes in income tax rate</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,531)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(11,127)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6138">-</span></span></td></tr> <tr id="xdx_405_ecustom--ContingentShareAwardTermination1_pn3n3_zAvTJXtLuAhj" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Contingent share award (CSA) - termination <span id="xdx_F43_zjAH66YobiC2">(ii)</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(145,785)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6141">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(8,049)</span></td></tr> <tr id="xdx_400_ecustom--EffectOfDifferentTaxRatesSubsidiariesAndParentCompany_pn3n3_zzlJYneYscZk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effect of different tax rates - subsidiaries and parent company</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(31,765)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(4,541)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(3,781)</span></td></tr> <tr id="xdx_400_ecustom--ResultsWithConvertibleInstruments1_pn3n3_zAo7p50ZGEC3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Results with convertible instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6148">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6149">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(29,008)</span></td></tr> <tr id="xdx_40A_ecustom--OtherNondeductibleExpenses_pn3n3_zeoywBVj5VY7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other non-deductible expenses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,688</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(10,353)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,022)</span></td></tr> <tr id="xdx_401_ecustom--IncomeTax1_pn3n3_zGa5ML5GcjCb" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Income tax</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(55,733)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>21,656</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_40B_ecustom--CurrentTaxExpense_pn3n3_zcmufldcoT8b" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Current tax expense</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(473,345)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(219,824)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(22,338)</span></td></tr> <tr id="xdx_40A_ecustom--DeferredTaxBenefit_pn3n3_zDM8XPYmxX81" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deferred tax benefit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">417,612</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">224,654</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">44,025</span></td></tr> <tr id="xdx_403_ecustom--IncomeTaxInStatementOfProfitOrLoss_pn3n3_zbJbK0MLciwc" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Income tax in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(55,733)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,830</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>21,687</b></span></td></tr> <tr id="xdx_405_ecustom--DeferredTaxRecognizedInOci_pn3n3_zaZjFDAo5JZ4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deferred tax recognized in OCI</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">829</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,330)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(31)</span></td></tr> <tr id="xdx_40B_ecustom--IncomeTax2_pn3n3_zfPu7nHhQR58" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Income tax</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(54,904)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>21,656</b></span></td></tr> <tr id="xdx_401_eifrs-full--AverageEffectiveTaxRate_pip0_dp_zbCy2XooAmI" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Effective tax rate</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18.0%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-2.8%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-11.2%</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0F_z9BvLllf7Jh5" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F15_z8M9w5vAfLge" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The tax rate used was the one applicable to the financial Brazilian subsidiaries, which represent the most significant portion of the operations of the Group. The tax rate used is not materially different from the average effective tax rate considering all jurisdictions where the Group has operations. The effect of other tax rates is shown in the table above as "effect of different tax rates –subsidiaries and parent company".</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F01_zPa0oWyXCHTk" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td id="xdx_F15_zt8O95laKEUf" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The amount is related to the termination of the Contingent Share Award (CSA) as described in the note 10b.</td></tr> </table> <p id="xdx_8A9_zKFOqsAfddr3" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Deferred income taxes</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables present significant components of the Group’s deferred tax assets and liabilities as of December 31, 2022, 2021 and 2020, and the changes for the years then ended. The accounting records of deferred tax assets on income tax losses and/or social contribution loss carryforwards, as well as those arising from timing differences, are based on technical feasibility studies which consider the expected generation of future taxable income, considering the history of profitability for each subsidiary individually. The Group has no time limit for use of the deferred tax assets, but the use of the deferred tax asset related to tax loss and negative basis of social contribution is limited to 30% of taxable profit per year for the Brazilian entities.</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfDeferredIncomeTaxes_zmJaWn5NpGTe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income tax (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zPAVcGbKs3Th" style="display: none">Schedule of deferred income taxes</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Other</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zjgefiu7R4W3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">204,459</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zdYb1TsL0yV7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6190">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">600,227</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(221,817)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">922</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zO11UH4jy27k" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">583,791</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zRqMDls79pCi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">5,965</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">334</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zeElnw5RBxje" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,299</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other temporary differences</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zfzRq4EfeJVa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">72,343</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zWQGJyPelMw1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">12,175</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zlD3tBYBB6o2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">68,971</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zRd99yYLKaL6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(34,313)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zLA0POzMPaL5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">3,927</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zTDCOXbeuiz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">123,103</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zslQRX8kGlg3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>282,767</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zWAguvOUb6K8" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>12,175</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>669,198</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(256,130)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>5,183</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zo97rpD50Khd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>713,193</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zqRAwFcwclek" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">77,985</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">19,930</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(5,707)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">5,649</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zYFMpEwRSXbh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">97,857</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zb4ONs9On351" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>360,752</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zy6krSJJgbli" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>12,175</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zJUMagP3Gc01" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>689,128</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(261,837)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>10,832</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zbwaqExnJfo6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>811,050</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Futures settlement market</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zk2o5ab6NDW7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(18,850)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(7,821)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">13,730</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(798)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zTtmCW9jLGYk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(13,739)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zuXIXWSehoX3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(2,144)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zdn5gn43Ew27" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(3,744)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zJ2SEEBZev65" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">4,634</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z70ACi4j9Tv4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(51)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zcshl65Pqyai" style="padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">(1,986)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zEKmGfyiF6q6" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(3,291)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zWEKwPYPD8P9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,340)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">46,446</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zqevce7jM8wa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(60,338)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zZiTQAvsnbJg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,856)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zqEoKnYvffG6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(24,088)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zD0z1ymRn8M" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(29,334)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>34,881</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(41,974)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(2,705)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zw7YR7mX2tC8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>(1,986)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zkXhHXj0Jqsi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(41,118)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_znUNeqaMutWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">1,057</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution"><span style="font-size: 7.5pt; line-height: 115%">17,608</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zKw3Mq8Xjth3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(20,194)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zgn7UqtNWyyg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(229)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zjcY5h4ZBGI7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">2,815</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zD1z8lR3Wr7j" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(1,758)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Deferred tax recognized during the year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>741,617</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(324,005)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zXQRgrgAfobj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>829</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Other</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z5GBtkKgoLJh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">68,155</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z6aQsal8H3il" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">41</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zCaHtQvobE0d" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">197,920</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zTPooLAIjKGa" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(52,730)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zQPs9LLHj1Bd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(8,927)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zFwuJ5mY3vGf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">204,459</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zSygEgshaeU1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,398</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zktbDgNIy6Lb" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(433)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zIaZ61Os4VY4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">5,965</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other temporary differences</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zdi1ltaOdVg1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">41,982</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zecP9kGvPtxk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">585</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z55IJxEw2Grd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">52,157</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zJ85gTwoX751" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(18,394)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_ztqzJQerxnA1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(3,987)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z75oDnumaZRk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">72,343</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zoQ8ilqZbwo5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,535</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zCrkEKYKgxe7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>626</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zZw7ODHo6Pw" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>250,077</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z6v80L6JBha4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,124)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zC95mk68BlU5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(13,347)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zT3VkxFDCg18" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>282,767</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zDjP92tmsmm9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,596</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zVkdaiR1rMu6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%">4,201</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zIE4xIhYzZ48" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">67,939</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z28MXk5e0q4e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(2,751)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zdQnlmX8dXWg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">77,985</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zRYAEQDulJh5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>125,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_z4bigvbmWuQ1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>4,827</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zqRo1EGKoddh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>318,016</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zLx7i6pA8Ga3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,124)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zuqHa71N7jqe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(16,098)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zlEgfAJrxlnb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>360,752</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Futures settlement market</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zl0iNdVPgZHe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(19,137)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zfOSEZ5uHATb" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">287</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zYuDp5lSX1X1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(18,850)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z97LtAgMmCP9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,741)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zYHIHtx3VJdi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(170)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zvDl07Y0j859" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">5,544</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zgMwvaCfwCHd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(82)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zY4Yn317m0Y1" style="padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">1,305</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zy2L0Xeo9F85" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(2,144)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_z4Lz7ykn20df" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(14,524)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zuGMbhOitGX7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">4,744</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zDAFdXxvrkOi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">1,440</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zhl85FqCy1xh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,340)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_z4fcykDPSpdd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(8,741)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_ziBkLd5J4sAj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>(33,831)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zPCmTS0sCpXb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>10,288</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zssaolYq6txj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>1,645</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_ztAWiuYW94Se" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>1,305</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zgqHix42daE" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(29,334)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z4ONdrCYhCc1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">32</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesConstitution_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zJEmTJMvuU47" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution"><span style="font-size: 7.5pt; line-height: 115%">1,305</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zVEVXu82gAbj" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(280)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zSTu5U0XLTXh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">1,025</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zffCzMtzlUi4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">1,057</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax recognized during the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zbOgYfsBgKvi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>285,490</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zK2yOazoULD6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(60,836)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zWNlrFRJtpGd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>2,330</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b> </b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Reflected in the statement of profit or loss</b></p></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2019</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zzwm9YoWJZxc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">63,846</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z6V8aanoUZS9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">79,383</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zIinZ3PHYYz2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(60,808)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zy5a2cAUVhvl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(14,266)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zAQHSGKYXou2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">68,155</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zIrfAJf8DQy4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zXP0z8TGJkFh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,854)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zcasCsuXduwi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,398</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other provisions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zJSehUKkXwX8" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">14,944</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zwyX1XNXOZHl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">27,125</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_z9ykcDiQEVkc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(5,242)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zeswU6Qvbnr2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(3,504)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zKyFwqfOTzyf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">33,323</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zrRsJ0M00l62" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">2,177</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_z2fwVtfvdere" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">8,945</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zh5qkDu1ZYuc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(1,791)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_z4KzgDtXjC7l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(672)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zVKdw4auOSsk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,659</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zfNIND7yT34h" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>89,219</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zd2uxMVamsmf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>115,453</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zsWwHogOiWH9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(67,841)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zLn1SMPf2Byd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(20,296)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z7pSvfsM5xYk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,535</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zlR4UpuTkOm7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">4,979</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z6mwQgPNhIZ8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">7,150</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zgCKfinsFNn8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(3,724)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zoQf81x0u9l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">191</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zPV0j8aJajI9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,596</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zbSWPoR1ah1d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>94,198</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_znaTU6OACkN9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>122,603</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zP7WpBE0u2Ee" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,565)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zGedONlMBxki" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(20,105)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zpUGE1sPXtB7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>125,131</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zS6k4XSe97F5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(698)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zLOCUu7jYZL8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(7,013)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zwYYvqyEaHN7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,030)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zjx96Bwt0QQ9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,741)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_z223LKRiCE8e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(698)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zBNud6AU1yb5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>(7,013)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zaq5LZGFZVg9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(1,030)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zuJ7kPK5UiXf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(8,741)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets net of deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zr7IVbk6iUse" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>93,500</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zbsDn3r9TNRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>115,590</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zpYjiGayOVM" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,565)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zk1litUNrmkd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(21,135)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zVPEQbf2raZ2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,390</b></span></td></tr> </table> <p id="xdx_8A7_zQtQnLytfmB" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2022Q3 | nu |
Tax Rate Effect From Change In Tax Rate Minimum
TaxRateEffectFromChangeInTaxRateMinimum
|
0.40 | pure |
| CY2022Q3 | nu |
Tax Rate Effect From Change In Tax Rate Maximum
TaxRateEffectFromChangeInTaxRateMaximum
|
0.41 | pure |
| CY2022 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.41 | pure |
| CY2021 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.45 | pure |
| CY2020 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.40 | pure |
| CY2022 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
-308901000 | usd |
| CY2021 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
-170164000 | usd |
| CY2020 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
-193178000 | usd |
| CY2022 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.41 | pure |
| CY2021 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.45 | pure |
| CY2020 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.40 | pure |
| CY2022 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
126649000 | usd |
| CY2021 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
76574000 | usd |
| CY2020 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
77271000 | usd |
| CY2022 | nu |
Sharebased Payments
SharebasedPayments
|
-11757000 | usd |
| CY2021 | nu |
Sharebased Payments
SharebasedPayments
|
-41418000 | usd |
| CY2020 | nu |
Sharebased Payments
SharebasedPayments
|
-8639000 | usd |
| CY2022 | nu |
Customers Gifts
CustomersGifts
|
-120000 | usd |
| CY2021 | nu |
Customers Gifts
CustomersGifts
|
-250000 | usd |
| CY2020 | nu |
Customers Gifts
CustomersGifts
|
-375000 | usd |
| CY2022 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-9112000 | usd |
| CY2021 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-6385000 | usd |
| CY2020 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-4741000 | usd |
| CY2022 | nu |
Changes In Income Tax Rate
ChangesInIncomeTaxRate
|
-2531000 | usd |
| CY2021 | nu |
Changes In Income Tax Rate
ChangesInIncomeTaxRate
|
-11127000 | usd |
| CY2022 | nu |
Contingent Share Award Termination1
ContingentShareAwardTermination1
|
-145785000 | usd |
| CY2020 | nu |
Contingent Share Award Termination1
ContingentShareAwardTermination1
|
-8049000 | usd |
| CY2022 | nu |
Effect Of Different Tax Rates Subsidiaries And Parent Company
EffectOfDifferentTaxRatesSubsidiariesAndParentCompany
|
-31765000 | usd |
| CY2021 | nu |
Effect Of Different Tax Rates Subsidiaries And Parent Company
EffectOfDifferentTaxRatesSubsidiariesAndParentCompany
|
-4541000 | usd |
| CY2020 | nu |
Effect Of Different Tax Rates Subsidiaries And Parent Company
EffectOfDifferentTaxRatesSubsidiariesAndParentCompany
|
-3781000 | usd |
| CY2020 | nu |
Results With Convertible Instruments1
ResultsWithConvertibleInstruments1
|
-29008000 | usd |
| CY2022 | nu |
Other Nondeductible Expenses
OtherNondeductibleExpenses
|
18688000 | usd |
| CY2021 | nu |
Other Nondeductible Expenses
OtherNondeductibleExpenses
|
-10353000 | usd |
| CY2020 | nu |
Other Nondeductible Expenses
OtherNondeductibleExpenses
|
-1022000 | usd |
| CY2022 | nu |
Income Tax1
IncomeTax1
|
-55733000 | usd |
| CY2021 | nu |
Income Tax1
IncomeTax1
|
2500000 | usd |
| CY2020 | nu |
Income Tax1
IncomeTax1
|
21656000 | usd |
| CY2022 | nu |
Current Tax Expense
CurrentTaxExpense
|
-473345000 | usd |
| CY2021 | nu |
Current Tax Expense
CurrentTaxExpense
|
-219824000 | usd |
| CY2020 | nu |
Current Tax Expense
CurrentTaxExpense
|
-22338000 | usd |
| CY2022 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
417612000 | usd |
| CY2021 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
224654000 | usd |
| CY2020 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
44025000 | usd |
| CY2022 | nu |
Income Tax In Statement Of Profit Or Loss
IncomeTaxInStatementOfProfitOrLoss
|
-55733000 | usd |
| CY2021 | nu |
Income Tax In Statement Of Profit Or Loss
IncomeTaxInStatementOfProfitOrLoss
|
4830000 | usd |
| CY2020 | nu |
Income Tax In Statement Of Profit Or Loss
IncomeTaxInStatementOfProfitOrLoss
|
21687000 | usd |
| CY2022 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
829000 | usd |
| CY2021 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
-2330000 | usd |
| CY2020 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
-31000 | usd |
| CY2022 | nu |
Income Tax2
IncomeTax2
|
-54904000 | usd |
| CY2021 | nu |
Income Tax2
IncomeTax2
|
2500000 | usd |
| CY2020 | nu |
Income Tax2
IncomeTax2
|
21656000 | usd |
| CY2022 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.180 | pure |
| CY2021 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
-0.028 | pure |
| CY2020 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
-0.112 | pure |
| CY2022 | nu |
Schedule Of Deferred Income Taxes
ScheduleOfDeferredIncomeTaxes
|
<table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfDeferredIncomeTaxes_zmJaWn5NpGTe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income tax (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zPAVcGbKs3Th" style="display: none">Schedule of deferred income taxes</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Other</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zjgefiu7R4W3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">204,459</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zdYb1TsL0yV7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6190">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">600,227</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(221,817)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">922</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zO11UH4jy27k" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">583,791</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zRqMDls79pCi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">5,965</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">334</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zeElnw5RBxje" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,299</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other temporary differences</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zfzRq4EfeJVa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">72,343</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zWQGJyPelMw1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">12,175</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zlD3tBYBB6o2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">68,971</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zRd99yYLKaL6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(34,313)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zLA0POzMPaL5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">3,927</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zTDCOXbeuiz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">123,103</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zslQRX8kGlg3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>282,767</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zWAguvOUb6K8" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>12,175</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>669,198</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(256,130)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>5,183</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zo97rpD50Khd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>713,193</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zqRAwFcwclek" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">77,985</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">19,930</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(5,707)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">5,649</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zYFMpEwRSXbh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">97,857</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zb4ONs9On351" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>360,752</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zy6krSJJgbli" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>12,175</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zJUMagP3Gc01" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>689,128</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(261,837)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>10,832</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zbwaqExnJfo6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>811,050</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Futures settlement market</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zk2o5ab6NDW7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(18,850)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(7,821)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">13,730</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(798)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zTtmCW9jLGYk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(13,739)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zuXIXWSehoX3" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(2,144)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zdn5gn43Ew27" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(3,744)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zJ2SEEBZev65" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">4,634</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z70ACi4j9Tv4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(51)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zcshl65Pqyai" style="padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">(1,986)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zEKmGfyiF6q6" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(3,291)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zWEKwPYPD8P9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,340)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">46,446</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zqevce7jM8wa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(60,338)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zZiTQAvsnbJg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,856)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zqEoKnYvffG6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(24,088)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zD0z1ymRn8M" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(29,334)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>34,881</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(41,974)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(2,705)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zw7YR7mX2tC8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>(1,986)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zkXhHXj0Jqsi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(41,118)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_znUNeqaMutWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">1,057</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution"><span style="font-size: 7.5pt; line-height: 115%">17,608</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zKw3Mq8Xjth3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(20,194)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zgn7UqtNWyyg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(229)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zjcY5h4ZBGI7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">2,815</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zD1z8lR3Wr7j" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(1,758)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Deferred tax recognized during the year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>741,617</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesRealization1_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(324,005)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zXQRgrgAfobj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>829</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 30%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Other</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z5GBtkKgoLJh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">68,155</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z6aQsal8H3il" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">41</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zCaHtQvobE0d" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">197,920</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zTPooLAIjKGa" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(52,730)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zQPs9LLHj1Bd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(8,927)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zFwuJ5mY3vGf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">204,459</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zSygEgshaeU1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,398</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zktbDgNIy6Lb" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(433)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zIaZ61Os4VY4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">5,965</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other temporary differences</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zdi1ltaOdVg1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">41,982</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zecP9kGvPtxk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Other"><span style="font-size: 7.5pt; line-height: 115%">585</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z55IJxEw2Grd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">52,157</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zJ85gTwoX751" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(18,394)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_ztqzJQerxnA1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(3,987)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z75oDnumaZRk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">72,343</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zoQ8ilqZbwo5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,535</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zCrkEKYKgxe7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>626</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zZw7ODHo6Pw" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>250,077</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z6v80L6JBha4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,124)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zC95mk68BlU5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(13,347)</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zT3VkxFDCg18" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>282,767</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zDjP92tmsmm9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,596</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zVkdaiR1rMu6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%">4,201</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zIE4xIhYzZ48" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">67,939</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z28MXk5e0q4e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(2,751)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zdQnlmX8dXWg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">77,985</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zRYAEQDulJh5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>125,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_z4bigvbmWuQ1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes other"><span style="font-size: 7.5pt; line-height: 115%"><b>4,827</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zqRo1EGKoddh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>318,016</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zLx7i6pA8Ga3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,124)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zuqHa71N7jqe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(16,098)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zlEgfAJrxlnb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>360,752</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Futures settlement market</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zl0iNdVPgZHe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(19,137)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zfOSEZ5uHATb" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">287</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zYuDp5lSX1X1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(18,850)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z97LtAgMmCP9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,741)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zYHIHtx3VJdi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(170)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zvDl07Y0j859" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">5,544</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zgMwvaCfwCHd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(82)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zY4Yn317m0Y1" style="padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">1,305</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zy2L0Xeo9F85" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(2,144)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_z4Lz7ykn20df" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(14,524)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zuGMbhOitGX7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">4,744</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zDAFdXxvrkOi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">1,440</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zhl85FqCy1xh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,340)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_z4fcykDPSpdd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(8,741)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_ziBkLd5J4sAj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>(33,831)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zPCmTS0sCpXb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>10,288</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zssaolYq6txj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>1,645</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_ztAWiuYW94Se" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>1,305</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zgqHix42daE" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(29,334)</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z4ONdrCYhCc1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">32</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesConstitution_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zJEmTJMvuU47" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution"><span style="font-size: 7.5pt; line-height: 115%">1,305</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zVEVXu82gAbj" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(280)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zSTu5U0XLTXh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%">1,025</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zffCzMtzlUi4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">1,057</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax recognized during the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zbOgYfsBgKvi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>285,490</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zK2yOazoULD6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(60,836)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zWNlrFRJtpGd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Reflected in OCI"><span style="font-size: 7.5pt; line-height: 115%"><b>2,330</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b> </b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Reflected in the statement of profit or loss</b></p></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2019</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zzwm9YoWJZxc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">63,846</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z6V8aanoUZS9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">79,383</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zIinZ3PHYYz2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(60,808)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zy5a2cAUVhvl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(14,266)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zAQHSGKYXou2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">68,155</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zIrfAJf8DQy4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,252</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zXP0z8TGJkFh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,854)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zcasCsuXduwi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">6,398</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Other provisions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zJSehUKkXwX8" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">14,944</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zwyX1XNXOZHl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">27,125</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_z9ykcDiQEVkc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(5,242)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zeswU6Qvbnr2" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(3,504)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherProvisionsMember_zKyFwqfOTzyf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">33,323</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zrRsJ0M00l62" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">2,177</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_z2fwVtfvdere" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">8,945</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zh5qkDu1ZYuc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(1,791)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_z4KzgDtXjC7l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(672)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsMember_zVKdw4auOSsk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,659</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zfNIND7yT34h" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>89,219</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zd2uxMVamsmf" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>115,453</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zsWwHogOiWH9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(67,841)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zLn1SMPf2Byd" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(20,296)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z7pSvfsM5xYk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,535</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zlR4UpuTkOm7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">4,979</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z6mwQgPNhIZ8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">7,150</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zgCKfinsFNn8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%">(3,724)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zoQf81x0u9l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">191</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zPV0j8aJajI9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">8,596</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zbSWPoR1ah1d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>94,198</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_znaTU6OACkN9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>122,603</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zP7WpBE0u2Ee" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,565)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zGedONlMBxki" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(20,105)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zpUGE1sPXtB7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>125,131</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zS6k4XSe97F5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(698)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zLOCUu7jYZL8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%">(7,013)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zwYYvqyEaHN7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%">(1,030)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zjx96Bwt0QQ9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%">(8,741)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_z223LKRiCE8e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(698)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zBNud6AU1yb5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>(7,013)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zaq5LZGFZVg9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(1,030)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zuJ7kPK5UiXf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>(8,741)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deferred tax assets net of deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zr7IVbk6iUse" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>93,500</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zbsDn3r9TNRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Constitution1"><span style="font-size: 7.5pt; line-height: 115%"><b>115,590</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zpYjiGayOVM" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Realization1"><span style="font-size: 7.5pt; line-height: 115%"><b>(71,565)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zk1litUNrmkd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 7.5pt; line-height: 115%"><b>(21,135)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20200101__20201231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zVPEQbf2raZ2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deferred Income Taxes"><span style="font-size: 7.5pt; line-height: 115%"><b>116,390</b></span></td></tr> </table> | |
| CY2022 | nu |
Disclosue Of Equity
DisclosueOfEquity
|
<p id="xdx_80B_ecustom--DisclosueOfEquity_zZzCMiAFd271" style="font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">28. <span id="xdx_821_zIbQRJ3mUR27">Equity</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below presents the changes in shares issued and fully paid and shares authorized, by class, as of December 31, 2022 and 2021.</p> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfSharesIssuedAndFullyPaidAndSharesAuthorizedByClass_zgGAG1bRGPM9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span id="xdx_8BD_zNram1fnfxe9" style="display: none">Schedule of changes in shares issued and fully paid and shares authorized</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B3_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--OrdinarySharesMember_z6b9VVs9Ir15" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B0_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--PreferenceSharesMember_z8Tshc3HQfB" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4BF_ifrs-full--ClassesOfShareCapitalAxis_custom--SeniorPreferenceSharesMember_z5qQcEwgfUha" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B4_ifrs-full--ClassesOfShareCapitalAxis_custom--ManagementSharesMember_zAyWGsRJvgEa" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B7_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_zyoNhLGncij9" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B5_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zEynaUDohuLk" style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4BA_zuVJ0v4OphAg" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B9_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zpl9EEMSBrrk" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 30%; text-align: justify"><span style="font-size: 7pt"><b>Shares authorized and fully issued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 4%; text-align: center"><span style="font-size: 7pt"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Ordinary shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 7pt"><b>Preferred shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Senior preferred shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Management shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr id="xdx_436_c20210101__20211231_ecustom--Equity1_iS_pn3n3_zmI6DXcpBgqe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2020</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>222,657,093</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>422,057,050</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>16,795,799</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6532">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6533">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>661,512,442</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,969,074,652</b></span></td></tr> <tr id="xdx_40B_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zqzcSXP03eq" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">SOPs exercised and RUSs vested</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">6,314,494</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6538">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6539">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6540">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">15,600,346</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6542">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">21,914,840</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">131,489,040</span></td></tr> <tr id="xdx_404_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zDpSAmkROd51" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(320,866)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6547">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6548">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6549">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(384,278)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6551">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(705,144)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(4,230,864)</span></td></tr> <tr id="xdx_40D_ecustom--ChangesInEquityOne_pn3n3_zPzTsIzXAJ5b" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares repurchased</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(203,643)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6556">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6557">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6558">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6559">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6560">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(203,643)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(1,221,858)</span></td></tr> <tr id="xdx_400_ecustom--IssuanceOfPreferredSharesSeriesGOne_pn3n3_zPuBq3MhWoJe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares (Series G)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6564">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">11,758,704</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6566">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6567">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6568">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6569">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">11,758,704</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">70,552,224</span></td></tr> <tr id="xdx_409_ecustom--ConversionOfSeniorPreferredSharesSeriesF1One_pn3n3_z7uNM1gwImZ2" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of senior preferred shares (Series F-1)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6573">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">16,795,799</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(16,795,799)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6576">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6577">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6578">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6579">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6580">-</span></span></td></tr> <tr id="xdx_401_ecustom--IssuanceOfPreferredSharesDueToEasynvestBusinessCombinationOne_pn3n3_ztpOXkhtlrqd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares due to Easynvest business combination</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6582">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">8,019,426</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6584">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6585">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6586">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6587">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">8,019,426</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">48,116,556</span></td></tr> <tr id="xdx_406_ecustom--IssuanceOfPreferredSharesseries_pn3n3_zZHX4nja1r46" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares(Series G-1)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6591">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">10,002,809</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6593">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6594">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6595">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6596">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">10,002,809</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">60,016,854</span></td></tr> <tr id="xdx_400_ecustom--ConversionOfOrdinarySharesInClassShares_pn3n3_zEArGokAjRTi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of ordinary shares in class A shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(228,447,078)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6601">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6602">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6603">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">228,447,078</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6605">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6606">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6607">-</span></span></td></tr> <tr id="xdx_404_ecustom--ConversionOfClassSharesInClassBShares_pn3n3_zkU5PSP5OGo9" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of class A shares in class B shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6609">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6610">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6611">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6612">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(184,110,692)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">184,110,692</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6615">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6616">-</span></span></td></tr> <tr id="xdx_407_ecustom--AwardsIssued_pn3n3_zDujC1cptz2g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Awards issued</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6618">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6619">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6620">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6621">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6622">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">7,596,827</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">7,596,827</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">45,580,962</span></td></tr> <tr id="xdx_40A_ecustom--IssuanceOfClassSharesCognitectAcquisition_pn3n3_zwOIQNtH9Jkl" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Cognitect acquisition</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6627">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6628">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6629">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6630">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">107,489</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6632">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">107,489</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">644,934</span></td></tr> <tr id="xdx_40D_ecustom--IssuanceOfClassSharesSpinPayAcquisition_pn3n3_z8kZONycWjta" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Spin Pay acquisition</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6636">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6637">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6638">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6639">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">138,415</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6641">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">138,415</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">830,490</span></td></tr> <tr id="xdx_400_ecustom--SubtotalBalancesBefore6for1ForwardShareSplit_pn3n3_zIr8kBCsrfT7" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Subtotal balances before the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6645">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>468,633,788</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6647">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>59,798,358</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>191,707,519</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>720,142,165</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_402_ecustom--IssuanceOfSharesDueTo6for1ForwardShareSplit_pn3n3_zCkr4n0hSVAb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares due to the 6-for-1 forward share split</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6654">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">2,343,168,940</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6656">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">12,500</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">298,991,790</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">958,537,595</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">3,600,710,825</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6661">-</span></span></td></tr> <tr id="xdx_40C_ecustom--SubtotalBalancesAfter6for1ForwardShareSplit_pn3n3_zQZZ0933Un3g" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Subtotal balances after the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6663">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,811,802,728</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6665">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>15,000</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>358,790,148</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,150,245,114</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_406_ecustom--PreferredSharesConvertedIntoClassShares_pn3n3_zioVsoTDNk12" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Preferred shares converted into class A shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6672">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(2,811,802,728)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6674">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6675">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">2,811,802,728</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6677">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6678">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6679">-</span></span></td></tr> <tr id="xdx_400_ecustom--CancelationOfManagementShares_pn3n3_zlI2kClkqXVg" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Cancelation of management shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6681">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6682">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6683">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6685">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6686">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td></tr> <tr id="xdx_40A_ecustom--IssuanceOfSharesUnderCustomerProgram1_pn3n3_zy9w8ke2Dc4c" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares under the customer program</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6690">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6691">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6692">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6693">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6695">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td></tr> <tr id="xdx_409_ecustom--OtherIssuanceOfSharesUnderIpo_pn3n3_zyykZQQGMUlh" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares under the IPO</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6699">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6700">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6701">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6702">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6704">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td></tr> <tr id="xdx_404_ecustom--MovementsDueToIpo_pn3n3_zRkFDkID4G5e" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Movements due to the IPO</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6708">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>(2,811,802,728)</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6710">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>(15,000)</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,100,953,283</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6713">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>289,135,555</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>289,135,555</b></span></td></tr> <tr id="xdx_43E_c20220101__20221231_ecustom--Equity1_iS_pn3n3_znTBTMOT8Za2" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2021</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6717">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6718">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6719">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6720">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,459,743,431</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,150,245,114</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,609,988,545</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,609,988,545</b></span></td></tr> <tr id="xdx_40A_ecustom--ConversionOfSharesClassBTo_pn3n3_z3zVFqhyFf4j" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of shares class B to A</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6726">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6727">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6728">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6729">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">58,312,073</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(58,312,073)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6732">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6733">-</span></span></td></tr> <tr id="xdx_404_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zk7Or75opzK8" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">SOPs exercised and RUSs vested</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6735">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6736">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6737">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6738">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6740">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td></tr> <tr id="xdx_408_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zVvzIODOIbhd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6744">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6745">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6746">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6747">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6749">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td></tr> <tr id="xdx_409_ecustom--IssuanceOfClassSharesCognitectAndJuntosAcquisitions_pn3n3_z6nwT2lQA98b" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Cognitect and Juntos acquisitions</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6753">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6754">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6755">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6756">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6758">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td></tr> <tr id="xdx_407_ecustom--IssuanceOfSharesDueToIpoOverallotment_pn3n3_zBE9qQSbGk5d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares due to IPO over-allotment</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6762">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6763">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6764">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6765">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6767">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td></tr> <tr id="xdx_43C_c20220101__20221231_ecustom--Equity1_iE_pn3n3_zEuboTwNU1af" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6771">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6772">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6773">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6774">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,602,854,813</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,091,933,041</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,694,787,854</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,694,787,854</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 50%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized and unissued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4BB_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_zazuK4xoIgii" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4BF_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zlnsiiMEL9Xi" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4B3_zu2pT5vthXij" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4B6_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zG9Dro6rqcC2" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_432_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__ifrs-full--ContingentConsiderationMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zPSI8cxCabgi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Business combination - contingent share consideration</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,683,513</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,683,513</span></td></tr> <tr id="xdx_43F_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--ReservedForTheShareBasedPaymentsMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zyrSxXxjG9o1" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Reserved for the share-based payments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">397,521,998</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">397,521,998</span></td></tr> <tr id="xdx_433_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedWhichMayBeIssuedClassAOrClassBMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zovPqNNyfpE3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Shares authorized which may be issued class A or class B</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,500,447,845</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,500,447,845</span></td></tr> <tr id="xdx_437_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedAndUnissuedMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zx62R0KgvL3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized and unissued as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>43,908,653,356</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>43,908,653,356</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_433_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedIssueMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zDNzJGlc8um3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized issued</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,602,854,813</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,091,933,041</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,694,787,854</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,694,787,854</b></span></td></tr> <tr id="xdx_400_ecustom--SharesAuthorizedAndUnissuedTotalShare_iI_pip0_d0_zIqeScAUSzUb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>48,603,441,210</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>48,603,441,210</b></span></td></tr> </table> <p id="xdx_8A4_zFZB4iT7qcz7" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the Meeting of Shareholders held on August 30, 2021, the 6-for-1 forward share split of the Company’s shares was approved.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Share events</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In January 2022, Nu Holdings issued an additional 27,555,298 ordinary class A shares due to the over-allotment option ("Green Shoe") exercised by the underwriters.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, the Company had ordinary shares authorized and unissued relating to commitments from acquisitions of entities, the issuance due to the share-based payment plans (note 10) and authorized for future issuance without determined nature and which could be class A or B ordinary shares.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Share capital and share premium reserve</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">All share classes of the Company had a nominal par value of US$<span id="xdx_908_ecustom--NominalParValue_c20220101__20221231_pdd" title="Nominal par shares"><span id="xdx_90E_ecustom--NominalParValue_c20210101__20211231_pdd" title="Nominal par shares">0.0000067</span></span> on December 31, 2022 and December 31, 2021, and the total amount of share capital was US$<span id="xdx_907_ecustom--ShareCapital_iI_pn3n3_c20221231_zFlFxtoluyUh" title="Total amount share capital">83</span> (US$<span id="xdx_90D_ecustom--ShareCapital_iI_pn3n3_c20211231_zzZ6aP7QSwXf" title="Total amount share capital">83</span> as of December 31, 2021).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Share premium reserve relates to amounts contributed by shareholders over the par value at the issuance of shares.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Issuance of shares</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following table presents the amount in US$ of shares issued, increase in capital and premium reserve in transactions other than the exercise of the SOPs and vesting of RSUs in 2022 and 2021:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--SeduleOfsharesissuedIncreaseInCapitalAndPremiumTableTextBlock_zVhnsUD8e7Ua" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_zTDXgMmiCkFl" style="display: none">Schedule of transactions other than the exercise of the SOPs and vesting of RSUs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 84%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Event</b></span></td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Capital and share premium reserve</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of preferred shares (Series F-1)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--IssuanceOfShares_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesF1Member_pdd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%">400,915</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of preferred shares (Series G)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--IssuanceOfShares_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesGMember_pdd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%">400,000</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Issuance of preferred shares (Series G-1)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IssuanceOfShares_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesG1Member_pdd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%">400,000</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Shares issued on IPO over-allotment</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--IssuanceOfShares_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--CustomerProgramMember_pdd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%">247,998</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer program and IPO (note 1b)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IssuanceOfShares_c20221231_pdd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%">2,602,026</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In January 2021, Nu Holdings completed the preferred shares issuance – Series G – in the amount of US$400,000. As a result of the transaction, 11,758,704 Series G preferred shares (70,552,224 after the 6-for-1 forward share split) were issued and 7,466,778 ordinary shares (44,800,668 after the 6-for-1 forward share split) were made available for issuance for the Company’s share-based compensation program.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In May 2021, the senior preferred shares related to Series F-1 were fully converted into equity, with the total issuance of 16,795,799 shares (100,774,794 after the 6-for-1 forward share split) at the request of the holders. The conversion consisted of a reclassification of the amount recognized as a derivative and as liability into share capital and share premium reserve in the total amount of US$400,915.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In June 2021, Nu Holdings completed the preferred shares issuance Series G-1 – in the amount of US$400,000. As a result of the transaction, 10,002,809 Series G-1 preferred shares (60,016,854 after the 6-for-1 forward share split) were issued.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In January 2022, Nu Holdings issued an additional 27,555,298 ordinary class A shares due to the over-allotment option ("Green Shoe") exercised by the underwriters.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Company did not have any convertible instruments during the year 2022.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Accumulated losses</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The accumulated losses include the share-based payment reserve amount, as shown in the table below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As described in note 10, the Group's share-based payments include incentives in the form of SOPs, RSUs and Awards. Further, the Company can use the reserve to absorb accumulated losses.</p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--AccumulatedLosses_zeZsio3qQy6c" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 2)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zu0qd0XmIc3k" style="display: none">Schedule of accumulated losses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20220101__20221231_zRFIHBjfPblc" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20210101__20211231_zBMAzqhFOt11" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_40F_ecustom--AccumulatedLosses1_pn3n3_zNWHFMQZimsj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Accumulated losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(701,062)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(336,484)</span></td></tr> <tr id="xdx_405_ecustom--SharebasedPaymentsReserve_pn3n3_zDI9bO6yZDbb" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based payments reserve</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">765,639</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">208,075</span></td></tr> <tr id="xdx_403_ecustom--TotalAttributableToShareholdersOfParentCompany_pn3n3_zyYPKtbKQPUg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total attributable to shareholders of the parent company</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,577</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(128,409)</b></span></td></tr> <tr id="xdx_409_ecustom--AccumulatedLossesAttributableToNoncontrollingInterests_pn3n3_d0_zNJnRBZ4lbb4" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Accumulated profit (loss) attributable to non-controlling interests</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(341)</span></td></tr> <tr id="xdx_406_ecustom--TotalAccumulatedLosses_pn3n3_zh5UUvv0OoHf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total accumulated losses</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,577</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(128,750)</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">e) Shares repurchased and withheld</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Shares may be repurchased from former employees when they leave the Group or withheld because of RSUs plans to settle the employee’s tax obligation. These shares repurchased or withheld are canceled and cannot be reissued or subscribed. During the years ended on December 31, 2022 and 2021, the following shares were repurchased (after the 6-for-1 forward share split):</p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--SharesRepurchasedAndWithHeld_zdWFZGZ9oSqd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_znHVVwu308Rj" style="display: none">Schedule of shares were repurchased (after the 6-for-1 forward share split)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20220101__20221231_z3vborttucu6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231_zY1BT43Kpr8l" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_40B_ecustom--QuantityOfSharesRepurchased_pip0_zPeYYgOwcoVh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Quantity of shares repurchased</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6850">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,221,858</span></td></tr> <tr id="xdx_402_ecustom--TotalValueOfSharesRepurchased_pip0_zyFszXtgBzUd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total value of shares repurchased</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6853">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,607</span></td></tr> <tr id="xdx_402_ecustom--QuantityOfSharesWithheldRsu_pip0_zfngaPt8Sos1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Quantity of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,536,770</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,230,864</span></td></tr> <tr id="xdx_40B_ecustom--TotalValueOfSharesWithheldRsu_pip0_zXOVgFkNv13f" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total value of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">51,212</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,299</span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">f) Accumulated other comprehensive income</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other comprehensive income includes the amounts, net of the related tax effect, of the adjustments to assets and liabilities recognized in equity through the consolidated statement of comprehensive income.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Other comprehensive income that may be subsequently reclassified to profit or loss is related to cash flow hedges that qualify as effective hedges and currency translation that represents the cumulative gains and losses on the retranslation of the Group’s investment in foreign operations. These amounts will remain under this heading until they are recognized in the consolidated statement of profit (loss) in the periods in which the hedged items affect it, for example, in the case of the cash flow hedge.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The own credit reserve reflects the cumulative own credit gains and losses on financial liabilities designated at fair value. Amounts in the own credit reserve are not reclassified to profit (loss) in future periods.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">The accumulated balances are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--SceduleOfAccumulatedOtherComprehensiveIncomeTableTextBlock_zDUDk13cjoGe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 4)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B5_zwyWVYIdp3Hc" style="display: none">Schedule of accumulated balances</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_490_20220101__20221231_zGh93azHYjn7" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_492_20210101__20211231_z1J7iIZNDHQ4" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_491_20200101__20201231_zS4EjIjF7dE1" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 54%; text-align: left"> </td> <td style="padding: 2pt; width: 2%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2020</b></span></td></tr> <tr id="xdx_407_ecustom--CashFlowHedgeEffectsNetOfDeferredTaxes_pn3n3_zj6hrlnClNC4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Cash flow hedge effects, net of deferred taxes</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(7,486)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,487</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">49</span></td></tr> <tr id="xdx_40F_ecustom--AccumlatedCurrencyTranslationOnForeignEntities_pn3n3_zCaPV4F4MjJ5" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Currency translation on foreign entities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(108,356)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(110,936)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(97,081)</span></td></tr> <tr id="xdx_401_ecustom--ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes_pn3n3_d0_zu4moXmd4Azi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Changes in fair value - financial instruments at FVTOCI, net of deferred taxes</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(22,298)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,741</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td></tr> <tr id="xdx_40A_ecustom--OwnCreditAdjustmentEffects_pn3n3_zjuURG0tPEmk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Own credit adjustment effects</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">489</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">(1,519)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">(468)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Total2_pn3n3_c20220101__20221231_zQ0oYuVjBR24" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total"><span style="font-size: 8pt"><b>(137,651)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--Total2_c20210101__20211231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total"><span style="font-size: 8pt"><b>(109,227)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--Total2_c20200101__20201231_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total"><span style="font-size: 8pt"><b>(97,500)</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> | |
| CY2022 | nu |
Schedule Of Shares Issued And Fully Paid And Shares Authorized By Class
ScheduleOfSharesIssuedAndFullyPaidAndSharesAuthorizedByClass
|
<table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfSharesIssuedAndFullyPaidAndSharesAuthorizedByClass_zgGAG1bRGPM9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span id="xdx_8BD_zNram1fnfxe9" style="display: none">Schedule of changes in shares issued and fully paid and shares authorized</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B3_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--OrdinarySharesMember_z6b9VVs9Ir15" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B0_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--PreferenceSharesMember_z8Tshc3HQfB" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4BF_ifrs-full--ClassesOfShareCapitalAxis_custom--SeniorPreferenceSharesMember_z5qQcEwgfUha" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B4_ifrs-full--ClassesOfShareCapitalAxis_custom--ManagementSharesMember_zAyWGsRJvgEa" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B7_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_zyoNhLGncij9" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B5_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zEynaUDohuLk" style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4BA_zuVJ0v4OphAg" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_4B9_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zpl9EEMSBrrk" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 30%; text-align: justify"><span style="font-size: 7pt"><b>Shares authorized and fully issued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 4%; text-align: center"><span style="font-size: 7pt"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Ordinary shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 7pt"><b>Preferred shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Senior preferred shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Management shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 7pt"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr id="xdx_436_c20210101__20211231_ecustom--Equity1_iS_pn3n3_zmI6DXcpBgqe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2020</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>222,657,093</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>422,057,050</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>16,795,799</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6532">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6533">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>661,512,442</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,969,074,652</b></span></td></tr> <tr id="xdx_40B_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zqzcSXP03eq" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">SOPs exercised and RUSs vested</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">6,314,494</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6538">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6539">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6540">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">15,600,346</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6542">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">21,914,840</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">131,489,040</span></td></tr> <tr id="xdx_404_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zDpSAmkROd51" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(320,866)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6547">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6548">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6549">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(384,278)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6551">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(705,144)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(4,230,864)</span></td></tr> <tr id="xdx_40D_ecustom--ChangesInEquityOne_pn3n3_zPzTsIzXAJ5b" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares repurchased</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(203,643)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6556">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6557">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6558">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6559">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6560">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(203,643)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(1,221,858)</span></td></tr> <tr id="xdx_400_ecustom--IssuanceOfPreferredSharesSeriesGOne_pn3n3_zPuBq3MhWoJe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares (Series G)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6564">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">11,758,704</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6566">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6567">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6568">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6569">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">11,758,704</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">70,552,224</span></td></tr> <tr id="xdx_409_ecustom--ConversionOfSeniorPreferredSharesSeriesF1One_pn3n3_z7uNM1gwImZ2" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of senior preferred shares (Series F-1)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6573">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">16,795,799</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(16,795,799)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6576">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6577">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6578">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6579">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6580">-</span></span></td></tr> <tr id="xdx_401_ecustom--IssuanceOfPreferredSharesDueToEasynvestBusinessCombinationOne_pn3n3_ztpOXkhtlrqd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares due to Easynvest business combination</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6582">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">8,019,426</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6584">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6585">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6586">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6587">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">8,019,426</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">48,116,556</span></td></tr> <tr id="xdx_406_ecustom--IssuanceOfPreferredSharesseries_pn3n3_zZHX4nja1r46" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of preferred shares(Series G-1)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6591">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">10,002,809</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6593">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6594">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6595">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6596">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">10,002,809</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">60,016,854</span></td></tr> <tr id="xdx_400_ecustom--ConversionOfOrdinarySharesInClassShares_pn3n3_zEArGokAjRTi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of ordinary shares in class A shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(228,447,078)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6601">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6602">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6603">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">228,447,078</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6605">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6606">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6607">-</span></span></td></tr> <tr id="xdx_404_ecustom--ConversionOfClassSharesInClassBShares_pn3n3_zkU5PSP5OGo9" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of class A shares in class B shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6609">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6610">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6611">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6612">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(184,110,692)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">184,110,692</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6615">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6616">-</span></span></td></tr> <tr id="xdx_407_ecustom--AwardsIssued_pn3n3_zDujC1cptz2g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Awards issued</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6618">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6619">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6620">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6621">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6622">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">7,596,827</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">7,596,827</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">45,580,962</span></td></tr> <tr id="xdx_40A_ecustom--IssuanceOfClassSharesCognitectAcquisition_pn3n3_zwOIQNtH9Jkl" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Cognitect acquisition</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6627">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6628">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6629">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6630">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">107,489</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6632">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">107,489</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">644,934</span></td></tr> <tr id="xdx_40D_ecustom--IssuanceOfClassSharesSpinPayAcquisition_pn3n3_z8kZONycWjta" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Spin Pay acquisition</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6636">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6637">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6638">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6639">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">138,415</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6641">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">138,415</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">830,490</span></td></tr> <tr id="xdx_400_ecustom--SubtotalBalancesBefore6for1ForwardShareSplit_pn3n3_zIr8kBCsrfT7" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Subtotal balances before the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6645">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>468,633,788</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6647">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,500</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>59,798,358</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>191,707,519</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>720,142,165</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_402_ecustom--IssuanceOfSharesDueTo6for1ForwardShareSplit_pn3n3_zCkr4n0hSVAb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares due to the 6-for-1 forward share split</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6654">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">2,343,168,940</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6656">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">12,500</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">298,991,790</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">958,537,595</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">3,600,710,825</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6661">-</span></span></td></tr> <tr id="xdx_40C_ecustom--SubtotalBalancesAfter6for1ForwardShareSplit_pn3n3_zQZZ0933Un3g" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Subtotal balances after the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6663">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>2,811,802,728</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6665">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>15,000</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>358,790,148</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,150,245,114</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_406_ecustom--PreferredSharesConvertedIntoClassShares_pn3n3_zioVsoTDNk12" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Preferred shares converted into class A shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6672">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(2,811,802,728)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6674">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6675">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">2,811,802,728</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6677">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6678">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6679">-</span></span></td></tr> <tr id="xdx_400_ecustom--CancelationOfManagementShares_pn3n3_zlI2kClkqXVg" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Cancelation of management shares</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6681">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6682">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6683">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6685">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6686">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(15,000)</span></td></tr> <tr id="xdx_40A_ecustom--IssuanceOfSharesUnderCustomerProgram1_pn3n3_zy9w8ke2Dc4c" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares under the customer program</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6690">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6691">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6692">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6693">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6695">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,259,613</span></td></tr> <tr id="xdx_409_ecustom--OtherIssuanceOfSharesUnderIpo_pn3n3_zyykZQQGMUlh" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares under the IPO</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6699">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6700">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6701">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6702">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6704">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">287,890,942</span></td></tr> <tr id="xdx_404_ecustom--MovementsDueToIpo_pn3n3_zRkFDkID4G5e" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Movements due to the IPO</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6708">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>(2,811,802,728)</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6710">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>(15,000)</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,100,953,283</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6713">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>289,135,555</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>289,135,555</b></span></td></tr> <tr id="xdx_43E_c20220101__20221231_ecustom--Equity1_iS_pn3n3_znTBTMOT8Za2" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2021</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6717">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6718">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6719">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6720">-</span></b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,459,743,431</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,150,245,114</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,609,988,545</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,609,988,545</b></span></td></tr> <tr id="xdx_40A_ecustom--ConversionOfSharesClassBTo_pn3n3_z3zVFqhyFf4j" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Conversion of shares class B to A</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6726">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6727">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6728">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6729">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">58,312,073</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(58,312,073)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6732">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6733">-</span></span></td></tr> <tr id="xdx_404_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zk7Or75opzK8" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">SOPs exercised and RUSs vested</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6735">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6736">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6737">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6738">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6740">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">64,418,580</span></td></tr> <tr id="xdx_408_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zVvzIODOIbhd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 7pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6744">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6745">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6746">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6747">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6749">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">(8,536,770)</span></td></tr> <tr id="xdx_409_ecustom--IssuanceOfClassSharesCognitectAndJuntosAcquisitions_pn3n3_z6nwT2lQA98b" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of class A shares - Cognitect and Juntos acquisitions</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6753">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6754">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6755">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6756">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6758">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 7pt">1,362,201</span></td></tr> <tr id="xdx_407_ecustom--IssuanceOfSharesDueToIpoOverallotment_pn3n3_zBE9qQSbGk5d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt">Issuance of shares due to IPO over-allotment</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6762">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6763">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6764">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6765">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><span style="-sec-ix-hidden: xdx2ixbrl6767">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt">27,555,298</span></td></tr> <tr id="xdx_43C_c20220101__20221231_ecustom--Equity1_iE_pn3n3_zEuboTwNU1af" style="background-color: white"> <td style="padding: 2pt; text-align: justify"><span style="font-size: 7pt"><b>Total as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6771">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6772">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6773">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6774">-</span></b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>3,602,854,813</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>1,091,933,041</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,694,787,854</b></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 7pt"><b>4,694,787,854</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 50%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized and unissued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4BB_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_zazuK4xoIgii" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4BF_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zlnsiiMEL9Xi" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4B3_zu2pT5vthXij" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_4B6_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zG9Dro6rqcC2" style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_432_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__ifrs-full--ContingentConsiderationMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zPSI8cxCabgi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Business combination - contingent share consideration</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,683,513</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,683,513</span></td></tr> <tr id="xdx_43F_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--ReservedForTheShareBasedPaymentsMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zyrSxXxjG9o1" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Reserved for the share-based payments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">397,521,998</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">397,521,998</span></td></tr> <tr id="xdx_433_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedWhichMayBeIssuedClassAOrClassBMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zovPqNNyfpE3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Shares authorized which may be issued class A or class B</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,500,447,845</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">43,500,447,845</span></td></tr> <tr id="xdx_437_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedAndUnissuedMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_d0_zx62R0KgvL3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized and unissued as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>43,908,653,356</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>43,908,653,356</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_433_c20221231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedIssueMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zDNzJGlc8um3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Shares authorized issued</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,602,854,813</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,091,933,041</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,694,787,854</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,694,787,854</b></span></td></tr> <tr id="xdx_400_ecustom--SharesAuthorizedAndUnissuedTotalShare_iI_pip0_d0_zIqeScAUSzUb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total as of December 31, 2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>-</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>48,603,441,210</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>48,603,441,210</b></span></td></tr> </table> | |
| CY2020Q4 | nu |
Equity1
Equity1
|
661512442000 | usd |
| CY2021 | nu |
So Ps Exercised And Ru Ss Vested
SOPsExercisedAndRUSsVested
|
21914840000 | usd |
| CY2021 | nu |
Shares Withheld For Eemployees Taxes
SharesWithheldForEemployeesTaxes
|
-705144000 | usd |
| CY2021 | nu |
Changes In Equity One
ChangesInEquityOne
|
-203643000 | usd |
| CY2021 | nu |
Issuance Of Preferred Shares Series G One
IssuanceOfPreferredSharesSeriesGOne
|
11758704000 | usd |
| CY2021 | nu |
Issuance Of Preferred Shares Due To Easynvest Business Combination One
IssuanceOfPreferredSharesDueToEasynvestBusinessCombinationOne
|
8019426000 | usd |
| CY2021 | nu |
Issuance Of Preferred Sharesseries
IssuanceOfPreferredSharesseries
|
10002809000 | usd |
| CY2021 | nu |
Awards Issued
AwardsIssued
|
7596827000 | usd |
| CY2021 | nu |
Issuance Of Class Shares Cognitect Acquisition
IssuanceOfClassSharesCognitectAcquisition
|
107489000 | usd |
| CY2021 | nu |
Issuance Of Class Shares Spin Pay Acquisition
IssuanceOfClassSharesSpinPayAcquisition
|
138415000 | usd |
| CY2021 | nu |
Subtotal Balances Before6for1 Forward Share Split
SubtotalBalancesBefore6for1ForwardShareSplit
|
720142165000 | usd |
| CY2021 | nu |
Issuance Of Shares Due To6for1 Forward Share Split
IssuanceOfSharesDueTo6for1ForwardShareSplit
|
3600710825000 | usd |
| CY2021 | nu |
Subtotal Balances After6for1 Forward Share Split
SubtotalBalancesAfter6for1ForwardShareSplit
|
4320852990000 | usd |
| CY2021 | nu |
Cancelation Of Management Shares
CancelationOfManagementShares
|
-15000000 | usd |
| CY2021 | nu |
Issuance Of Shares Under Customer Program1
IssuanceOfSharesUnderCustomerProgram1
|
1259613000 | usd |
| CY2021 | nu |
Other Issuance Of Shares Under Ipo
OtherIssuanceOfSharesUnderIpo
|
287890942000 | usd |
| CY2021 | nu |
Movements Due To Ipo
MovementsDueToIpo
|
289135555000 | usd |
| CY2021Q4 | nu |
Equity1
Equity1
|
4609988545000 | usd |
| CY2022 | nu |
So Ps Exercised And Ru Ss Vested
SOPsExercisedAndRUSsVested
|
64418580000 | usd |
| CY2022 | nu |
Shares Withheld For Eemployees Taxes
SharesWithheldForEemployeesTaxes
|
-8536770000 | usd |
| CY2022 | nu |
Issuance Of Class Shares Cognitect And Juntos Acquisitions
IssuanceOfClassSharesCognitectAndJuntosAcquisitions
|
1362201000 | usd |
| CY2022 | nu |
Issuance Of Shares Due To Ipo Overallotment
IssuanceOfSharesDueToIpoOverallotment
|
27555298000 | usd |
| CY2022Q4 | nu |
Equity1
Equity1
|
4694787854000 | usd |
| CY2022 | nu |
Nominal Par Value
NominalParValue
|
0.0000067 | |
| CY2021 | nu |
Nominal Par Value
NominalParValue
|
0.0000067 | |
| CY2022Q4 | nu |
Share Capital
ShareCapital
|
83000 | usd |
| CY2021Q4 | nu |
Share Capital
ShareCapital
|
83000 | usd |
| CY2022Q4 | nu |
Issuance Of Shares
IssuanceOfShares
|
2602026 | shares |
| CY2022 | nu |
Accumulated Losses
AccumulatedLosses
|
<table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--AccumulatedLosses_zeZsio3qQy6c" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 2)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zu0qd0XmIc3k" style="display: none">Schedule of accumulated losses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_498_20220101__20221231_zRFIHBjfPblc" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20210101__20211231_zBMAzqhFOt11" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_40F_ecustom--AccumulatedLosses1_pn3n3_zNWHFMQZimsj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Accumulated losses</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(701,062)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(336,484)</span></td></tr> <tr id="xdx_405_ecustom--SharebasedPaymentsReserve_pn3n3_zDI9bO6yZDbb" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Share-based payments reserve</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">765,639</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">208,075</span></td></tr> <tr id="xdx_403_ecustom--TotalAttributableToShareholdersOfParentCompany_pn3n3_zyYPKtbKQPUg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total attributable to shareholders of the parent company</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,577</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(128,409)</b></span></td></tr> <tr id="xdx_409_ecustom--AccumulatedLossesAttributableToNoncontrollingInterests_pn3n3_d0_zNJnRBZ4lbb4" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Accumulated profit (loss) attributable to non-controlling interests</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(341)</span></td></tr> <tr id="xdx_406_ecustom--TotalAccumulatedLosses_pn3n3_zh5UUvv0OoHf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total accumulated losses</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>64,577</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(128,750)</b></span></td></tr> </table> | |
| CY2022 | nu |
Accumulated Losses1
AccumulatedLosses1
|
-701062000 | usd |
| CY2021 | nu |
Accumulated Losses1
AccumulatedLosses1
|
-336484000 | usd |
| CY2022 | nu |
Sharebased Payments Reserve
SharebasedPaymentsReserve
|
765639000 | usd |
| CY2021 | nu |
Sharebased Payments Reserve
SharebasedPaymentsReserve
|
208075000 | usd |
| CY2022 | nu |
Total Attributable To Shareholders Of Parent Company
TotalAttributableToShareholdersOfParentCompany
|
64577000 | usd |
| CY2021 | nu |
Total Attributable To Shareholders Of Parent Company
TotalAttributableToShareholdersOfParentCompany
|
-128409000 | usd |
| CY2022 | nu |
Accumulated Losses Attributable To Noncontrolling Interests
AccumulatedLossesAttributableToNoncontrollingInterests
|
-0 | usd |
| CY2021 | nu |
Accumulated Losses Attributable To Noncontrolling Interests
AccumulatedLossesAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2022 | nu |
Total Accumulated Losses
TotalAccumulatedLosses
|
64577000 | usd |
| CY2021 | nu |
Total Accumulated Losses
TotalAccumulatedLosses
|
-128750000 | usd |
| CY2022 | nu |
Time Deposit1
TimeDeposit1
|
-0 | pure |
| CY2021 | nu |
Time Deposit1
TimeDeposit1
|
0 | pure |
| CY2022 | nu |
Shares Repurchased And With Held
SharesRepurchasedAndWithHeld
|
<table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--SharesRepurchasedAndWithHeld_zdWFZGZ9oSqd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Equity (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_znHVVwu308Rj" style="display: none">Schedule of shares were repurchased (after the 6-for-1 forward share split)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20220101__20221231_z3vborttucu6" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49A_20210101__20211231_zY1BT43Kpr8l" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 69%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr id="xdx_40B_ecustom--QuantityOfSharesRepurchased_pip0_zPeYYgOwcoVh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Quantity of shares repurchased</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6850">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,221,858</span></td></tr> <tr id="xdx_402_ecustom--TotalValueOfSharesRepurchased_pip0_zyFszXtgBzUd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total value of shares repurchased</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6853">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,607</span></td></tr> <tr id="xdx_402_ecustom--QuantityOfSharesWithheldRsu_pip0_zfngaPt8Sos1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Quantity of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,536,770</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,230,864</span></td></tr> <tr id="xdx_40B_ecustom--TotalValueOfSharesWithheldRsu_pip0_zXOVgFkNv13f" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total value of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">51,212</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,299</span></td></tr> </table> | |
| CY2021 | nu |
Quantity Of Shares Repurchased
QuantityOfSharesRepurchased
|
1221858 | shares |
| CY2021 | nu |
Total Value Of Shares Repurchased
TotalValueOfSharesRepurchased
|
4607 | shares |
| CY2022 | nu |
Quantity Of Shares Withheld Rsu
QuantityOfSharesWithheldRsu
|
8536770 | shares |
| CY2021 | nu |
Quantity Of Shares Withheld Rsu
QuantityOfSharesWithheldRsu
|
4230864 | shares |
| CY2022 | nu |
Total Value Of Shares Withheld Rsu
TotalValueOfSharesWithheldRsu
|
51212 | shares |
| CY2021 | nu |
Total Value Of Shares Withheld Rsu
TotalValueOfSharesWithheldRsu
|
18299 | shares |
| CY2022 | nu |
Cash Flow Hedge Effects Net Of Deferred Taxes
CashFlowHedgeEffectsNetOfDeferredTaxes
|
-7486000 | usd |
| CY2021 | nu |
Cash Flow Hedge Effects Net Of Deferred Taxes
CashFlowHedgeEffectsNetOfDeferredTaxes
|
1487000 | usd |
| CY2020 | nu |
Cash Flow Hedge Effects Net Of Deferred Taxes
CashFlowHedgeEffectsNetOfDeferredTaxes
|
49000 | usd |
| CY2022 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
-108356000 | usd |
| CY2021 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
-110936000 | usd |
| CY2020 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
-97081000 | usd |
| CY2022 | nu |
Changes In Fair Value Financial Instruments At Fvtoci Net Of Deferred Taxes
ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes
|
-22298000 | usd |
| CY2021 | nu |
Changes In Fair Value Financial Instruments At Fvtoci Net Of Deferred Taxes
ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes
|
1741000 | usd |
| CY2020 | nu |
Changes In Fair Value Financial Instruments At Fvtoci Net Of Deferred Taxes
ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes
|
-0 | usd |
| CY2022 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
489000 | usd |
| CY2021 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
-1519000 | usd |
| CY2020 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
-468000 | usd |
| CY2022 | nu |
Total2
Total2
|
-137651000 | usd |
| CY2021 | nu |
Total2
Total2
|
-109227000 | usd |
| CY2020 | nu |
Total2
Total2
|
-97500000 | usd |
| CY2022 | nu |
Management Of Financial Risks Financial Instruments And Other Risks
ManagementOfFinancialRisksFinancialInstrumentsAndOtherRisks
|
<p id="xdx_801_ecustom--ManagementOfFinancialRisksFinancialInstrumentsAndOtherRisks_zM30riT5GlV3" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-indent: 20pt; text-align: justify">29. <span id="xdx_82F_zqhI0wcEOgGj">Management of financial risks, financial instruments, and other risks</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Overview</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group monitors all the risks that could have a material impact on its strategic objectives, including those that must comply with applicable regulatory requirements. To efficiently manage and mitigate these risks, the risk management structure conducts risk identification and assessment to prioritize the risks that are key to pursue potential opportunities and/or that may prevent value from being created or that may compromise existing value, with the possibility of having impacts on financial results, capital, liquidity, customer relationship and reputation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Risks that are actively monitored include:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">1.</td><td style="text-align: justify">Credit risk;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">2.</td><td style="text-align: justify">Liquidity risk;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">3.</td><td style="text-align: justify">Market Risk and Interest Rate Risk in the Banking Book (IRRBB);</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">4.</td><td style="text-align: justify">Operational Risk / Information Technology/Cyber Risk;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">5.</td><td style="text-align: justify">Regulatory Risk;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">6.</td><td style="text-align: justify">Compliance Risk;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">7.</td><td style="text-align: justify">Reputational Risk; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 12pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">8.</td><td style="text-align: justify">Risks from cryptocurrency business.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Risk management structure</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu considers Risk Management an important pillar of the Group's strategic management. The risk management structure broadly permeates the entire Company, with the objective of ensuring that risks are properly identified, measured, mitigated, monitored and reported, in order to support the development of its activities. Risk Management is related to the principles, culture, structures and processes to improve the decision-making process and the achievement of strategic objectives. It is a continuous and evolving process that runs through Nu's entire strategy, to support Management in minimizing its losses, as well as maximizing its profits and supporting the Company's values.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group's risk management structure considers the size and complexity of its business, which allows tracking, monitoring and control of the risks to which it is exposed. The risk management process is aligned with management guidelines, which, through committees and other internal meetings, define strategic objectives, including risk appetite. Conversely, the capital control and capital management units provide support through risk and capital monitoring and analysis processes.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group considers a risk appetite statement (“RAS”) to be an essential instrument to support risk management and decision making. <span style="color: #222222; background-color: white">The Board reviews and approves the RAS, as guidelines and limits for the business plan and capital deployment.</span> Nu has defined a RAS (aligned to local regulatory requirements) that prioritizes the main risks and, for each of these, qualitative statements and quantitative metrics expressed in relation to earnings, capital, risk measures, liquidity and other relevant measures were implemented, as appropriate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Nu operates on the three-line model, which helps to identify structures and processes that best support the achievement of objectives and facilitate a robust governance and risk management structure.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>First line</b>: business functions and support functions/areas or activities that generate exposure to risk, whose managers are responsible for managing them in accordance with policies, limits and other conditions defined and approved by the Executive Board. The first line must have the means to identify, measure, treat and report risks.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Second line</b>: consisting of the areas of Risk Management, Internal Controls and Compliance, it is responsible for ensuring an effective control of risks and that they are managed in accordance with the defined appetite level. Responsible for proposing risk management policies, developing risk models and methodologies, and first-line supervision.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Third line</b>: composed of the Internal Audit, it is responsible for periodically and independently evaluating whether policies, methods and procedures are adequate, in addition to verifying their effective implementation.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Another important element of the risk management framework is the structure of Technical Forums and Committees. These governance bodies were designed and implemented to monitor and make decisions on aspects associated with the Group's management and control. Nu has implemented this structure both at a Global and a country-level perspective, as described below.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white"><b>Global risk-related Governance body:</b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Audit and Risk Committee</b>: established as a Board of Director level committee in order to assist the Board in fulfilling its oversight responsibilities to the Company’s shareholders with respect to: evaluating the performance and progress of the work of the Internal Audit, the independent audit, as well as the respective reports related to the internal control systems, following the recommendations made by the internal and independent auditors to management, reviewing and discussing with management and the independent auditor the annual audited financial statements and unaudited quarterly financial statements, overseeing the performance of overall Nu's risk management framework and control functions, and monitoring the level of risk exposure according to the RAS (consolidated view by country). It consists of at least three members and meets at least quarterly.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white"><b>Country-level risk-related Governance bodies:</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Each of the countries where the Group has operations established a structure of governance based on the relevant regulatory requirements and composed of the following elements. Depending on the nature of the subject to be managed, some Committees and meetings can be grouped to cover more than one country.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Risk Committee</b>: its objective is to assist the country's executive officers in the performance of the entity’s risk management and control functions, monitoring the level of risk exposure according to risk appetite. It also aims to adopt strategies, policies and measures aimed at disseminating a culture of internal controls and risk mitigation.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Credit Committee</b>: its objective is to review and supervise credit strategies, as well as review their impacts on the subsidiary's results, and to review the credit strategies in light of the macroeconomic environment and risk information, on the credit market and on competitors.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Audit Committee</b>: its main duties are to evaluate the performance and progress of the work of the Internal Audit function, the independent auditors, and the respective reports related to the internal control systems, to follow the recommendations made by internal and independent auditors to management, and to review and discuss with management and the independent auditor the annual audited financial statements and unaudited quarterly financial statements.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Technical Forums</b>: regular meetings to discuss and propose recommendations to the country-level Risk Committee. Depending on the materiality in each of the countries, each topic listed below can have its own Technical Forum, with the participation of executives from associated areas: accounting and tax, operational risk and internal controls, asset and liability management ("ALM") / capital, information technology and cyber risks ("IT"), data protection, Compliance and anti-money laundering ("AML"), fraud prevention, stress tests, product review and credit provisions. Each Technical Forum has its own charter, establishing the scope of work, voting members and other working model attributes.</td></tr></table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Risks actively monitored</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The risks that are actively monitored by the Group include Credit Risk, Market Risk, Interest rate risk in the Banking Book (IRRBB), Liquidity Risk, Operational Risk and Internal Controls, Information Technology and Cyber Risk, Model Risk, Compliance and Anti-money laundering (AML). The management of these risks is carried out according to the three-line model, considering policies and procedures in place, as well as the limits established in the RAS. Also, there is a Stress Testing program in place.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Each of the risks described below has its own methodologies, systems and processes for its identification, measurement, evaluation, monitoring, reporting, control and mitigation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In the case of financial risks, such as credit, liquidity, IRRBB and market risk, the measurement is carried out based on quantitative models and, in certain cases, prospective scenarios in relation to the main variables involved, respecting the applicable regulatory requirements and best market practices. Non-financial risks, such as operational risk and technological/cyber risks, are measured using impact criteria (inherent risk), considering potential financial losses, reputational damage, customer perception and legal/regulatory obligations, as well as evaluated in relation to the effectiveness of the respective structure of internal controls.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Based on the results of the measurement and risk assessment activities, the adherence of the residual exposure to Nu's risk appetite is verified. Necessary actions to mitigate risks are presented and discussed in the governance structure (Technical Forums and Risk Committees), which are also the channels responsible for approving and monitoring the implementation of action plans.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Credit risk </b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Credit risk is defined as the possibility of losses associated with failure of customers or counterparties to pay their contractual obligations; the depreciation or reduction of the expected gains from financial instruments due to the deterioration of the credit quality of customers or counterparties; the costs of recovering the deteriorated exposure; and any advantage given to customers or counterparties due to deterioration in their credit quality.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The credit risk control and management structure is independent of the business units, being responsible for the processes and tools to measure, monitor, control and report the credit risk of products and other financial operations, continuously verifying their adherence to the policies and structure of approved limits.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">There is also an assessment of the possible impacts arising from changes in the economic environment, in order to ensure that the loan portfolio is resilient to economic crises.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Credit risk management is carried out by the Credit Risk team with a centralized role independent of the business units, being responsible for:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Establishing governance, policies and procedures aimed at maintaining exposure to credit risks in accordance with the levels set in the RAS;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Monitoring and notifying management of the risk levels (appetite compliance) of the credit portfolio, including recommendations for improvement, when applicable;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Identifying and assessing inherent risks and respective mitigators in the launch of new products and significant changes in existing processes; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Estimating the expected losses according to consistent and verifiable criteria.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group’s outstanding balance of financial assets is shown in the table below:</p> <table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--SceduleOfCreditRiskTableTextBlock_zR98PPpvhhx" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zCjbs2SQLysk" style="display: none">Schedule of outstanding balance of financial assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20221231_z9WOZ1ALGl4k" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_497_20211231_zlbfqFugbxek" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial assets</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_eifrs-full--CashAndCashEquivalents_iI_pn3n3_zzRoFiDwLfyd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Cash and cash equivalents</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,172,316</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,705,675</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--Securities_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Securities</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">91,853</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">815,962</span></td></tr> <tr id="xdx_40B_ecustom--DerivativeFinancialInstruments_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">41,485</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">101,318</span></td></tr> <tr id="xdx_40D_ecustom--CollateralForCreditCardOperations_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Collateral for credit card operations</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">305</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,052</span></td></tr> <tr id="xdx_405_eifrs-full--FinancialAssetsAtFairValueThroughProfitOrLoss_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial assets at fair value through profit or loss</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>133,643</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>918,332</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--Securities1_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Securities</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">9,947,138</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,163,428</span></td></tr> <tr id="xdx_40A_eifrs-full--FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial assets at fair value through other comprehensive income</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,163,428</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--CompulsoryDepositsAtCentralBanks_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,778,019</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">938,659</span></td></tr> <tr id="xdx_406_ecustom--CreditCardReceivables1_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit card receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">8,233,072</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">4,780,520</span></td></tr> <tr id="xdx_405_ecustom--LoansToCustomers_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Loans to customers</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,673,440</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,194,814</span></td></tr> <tr id="xdx_40D_ecustom--OthersReceivable_iI_pn3n3_zj8ievvNoTQ" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other receivables</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">521,670</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">50,349</span></td></tr> <tr id="xdx_406_eifrs-full--OtherFinancialAssets_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other financial assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">478,283</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,493</span></td></tr> <tr id="xdx_407_ecustom--FinancialAssetsAtAmortizedCost_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial assets at amortized cost</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>13,684,484</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>6,982,835</b></span></td></tr> <tr id="xdx_40D_ecustom--TotalFinacialAssets1_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>27,937,581</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>18,770,270</b></span></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify"><b>Liquidity risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Liquidity risk is defined as:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">the ability of an entity to fund increases in assets and meet obligations as they come due, without incurring unacceptable losses; and</td></tr></table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">the possibility of not being able to easily exit a financial position due to its size compared to the traded volume in the market.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The liquidity risk management structure uses future cash flow data, applying what Nu believes to be a severe stress scenario to these cash flows, in order to measure that the volume of high-quality liquid assets that the Group has is sufficient to guarantee its resilience even in very adverse situations. The liquidity indicators are monitored daily.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group has a Contingency Funding Plan for the Brazilian entities that describes possible management actions that should be taken in the event of a deterioration of the liquidity indicators.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white"><b>Primary sources of funding - by maturity</b></p> <table cellpadding="0" cellspacing="0" id="xdx_887_ecustom--ScheduleOfFundingMaturity_zSViFkb8Y3M3" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span id="xdx_8B6_zw9fyGCaRxxk" style="display: none">Schedule of primary sources of funding - by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Funding Sources</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deposits by customers</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>14,160,805</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>113,154</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zY9riJOfx8zf" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>14,273,959</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_902_ecustom--DepositsFromCustomers1_dp_c20220101__20221231_zeZv7fQn6if4" title="Deposits From Customers">96</span>%</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zIbWGOrc3aQ3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>7,663,355</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zuPswhlPwEpg" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>64,753</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zivVxKjL1Swf" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>7,728,108</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90E_ecustom--DepositsFromCustomers1_dp_c20210101__20211231_zg7aWXMnZ0s3" title="Deposits From Customers">97</span>%</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Bank receipt of deposits (RDB-V)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zRODfLtqhiK9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zeWPYjjt4fhg" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z0bvuBtNwuYc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_901_ecustom--DepositsFromCustomers2_iI_dp0_c20221231_zd9QWwuDLZl4" title="Deposits From Customers 1">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zZHG3QvqhYMi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>31,557</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zmtSNWs11034" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zU7pr3LxxVS4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>31,557</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90B_ecustom--DepositsFromCustomers2_iI_dp_c20211231_zdtCU1DjKZ28" title="Deposits From Customers 1">1</span>%</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Time deposit</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zQSRnKsw2Gg7" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zSs4FAtwDVO" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zkJf4ZQYDIW8" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90B_ecustom--TimeDeposit1_dp0_c20220101__20221231_z8DTBTA4oKd" title="Time Deposit1">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zlw99cs04Nb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>19,181</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TimeDeposit_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zSw8EXnlA17e" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zFNaOmJTLIKe" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>19,181</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_907_ecustom--TimeDeposit1_dp_c20210101__20211231_zU6OJAqWhY2h" title="Time Deposit1">0</span>%</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z2GLnw4xz4rf" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">38,329</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zuCiVBzkhNU7" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">547,239</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zUVxQGvXWQ11" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_909_ecustom--BorrowingsAndFinancingPercentage_dp_c20220101__20221231_zR8zi3ghuoE7" title="Borrowings and financing percentage">4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z6ofiaN2OWxa" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">23,577</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zoWs7UGcIeC1" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">123,666</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zFoCGTltNO5i" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">147,243</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_90C_ecustom--BorrowingsAndFinancingPercentage_dp_c20210101__20211231_zcHY7wQggTt3" title="Borrowings and financing percentage">2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zPXIR7FsvIK5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6998">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z4zkKqErdRn5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_90F_ecustom--InstrumentsEligibleAsCapital1_dp_c20220101__20221231_z4eV58RzOnei" title="Instruments Eligible As Capital1">0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zV9COhzuvEkd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zBVBjcC63CV2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">12,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_z31cowso3lg5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">12,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_904_ecustom--InstrumentsEligibleAsCapital1_dp_c20210101__20211231_zZziAu8fQ3q4" title="Instruments Eligible As Capital1">0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z9jxjHhmkUVk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>14,199,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zEHDMMrty7Ia" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>671,900</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zwLFNXXzb4M8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>14,871,034</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b><span id="xdx_90B_ecustom--TotalDepositsFromCustomers_dp_c20220101__20221231_zWYlwJtMC3N4" title="Total Deposits From Customers">100</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zGkRQ7qFElV4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>7,737,670</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_z9TAlKcvZuhd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>200,475</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_z3LYtf78NPXc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>7,938,145</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b><span id="xdx_90C_ecustom--TotalDepositsFromCustomers_dp_c20210101__20211231_zT4PHLtxWOV6" title="Total Deposits From Customers">100</span>%</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 10pt; text-align: justify"><b>Maturities of financial liabilities</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 10pt; text-align: justify">The tables below summarize the Group’s financial liabilities and their contractual maturities:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--MaturitiesOfFinancialLiabilities_zWggGLpnaBog" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B8_z1QpJkpljFa3" style="display: none">Schedule of financial liabilities into groups based on their contractual maturities</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="11" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 34%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial liabilities</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Carrying amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross nominal outflow (1)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 1 month</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1 to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3-12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Over 12 months</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,425</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_z3jSudpPGdob" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,425</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">152</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">105</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">112</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zNiKgk2F5f07" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">14,742</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zhh5OdPn2NOc" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zO0fiRmQVh89" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zhpa5UJ16ULi" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">14,742</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Repurchase agreements</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--RepurchaseAgreements_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zsXS2ChUsLe1" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zS95FZ7MN1S2" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zURPWbPXScq3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z2ASnTZdQ6Aj" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits in electronic money (*)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_fKCop_zgW3EUNj531k" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,534,582</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKCopKDEp_z4AYDspzFE06" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,531,753</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_fKCop_zzFk8SKp5j81" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,531,753</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_fKCop_zKnj5WAt7sD7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKCop_zZ4Gov4yp9Hg" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKCop_z3dq2aRXRdTe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bank receipt of deposits (RDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">14,273,959</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BankReceiptOfDepositsRDB_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zbAFZIg3Tj9j" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">14,278,498</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">13,589,341</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">207,839</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">336,218</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">145,100</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payables to network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">7,054,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--PayablesToCreditCardNetwork1_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zGyCvl1wFQw6" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">7,054,784</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">3,829,399</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">1,741,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">1,483,533</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">666</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zRwMcGcZhg79" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">721,480</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">482</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">17,011</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">83,182</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">620,805</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>23,667,066</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--OtherDerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zOocKqT3eXmh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>23,807,923</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>19,148,369</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>1,966,141</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>1,911,989</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>781,425</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zrLdpwwsUdR6" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(*)</td> <td id="xdx_F13_zocz1LSzt85j" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">In accordance with regulatory requirements, in guarantee of these deposits the Group has pledged reverse repurchase agreements and securities composed of Brazilian government bonds in the total amount of US$2,252,464 to the Brazilian Central Bank as of December 31, 2022 (US$2,271,585 as of December 31, 2021).</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zudQ4CILUpdl" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(1)</td> <td id="xdx_F16_zkUlFC6G1z8k" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The gross nominal outflow was projected considering the exchange rate of Brazilian Reais, and Mexican and Colombian Pesos to US$ as of December 31, 2022 (R$5.2804, MXN19.4999 and COP4,852.50 per US$1) and the projected Brazilian CDI, obtained from B3's website, for the deposits.</td></tr> </table> <p id="xdx_8A6_zA2ZmWk7ZPh9" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Market risk and interest rate risk in the banking book (IRRBB) </b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Market risk is defined as the risk of losses arising from movements in market risk factors, such as interest rate risk, equities, foreign exchange (FX) rates, commodities prices. IRRBB refers to the current or prospective risk to an entity's capital and earnings arising from adverse movements in interest rates that affect the banking book positions.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">There is a market risk & IRRBB control and management structure, independent from the business units, which is responsible for the processes and tools to measure, monitor, control and report the market risk and IRRBB, continuously verifying the adherence with the approved policies and limit’s structure.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Management of market risk and IRRBB is based on metrics that are reported to the Asset & Liability Management and Capital ("ALM") Technical Forum and to the country-level Risk Committee. Management is authorized to use financial instruments as outlined in the Group's internal policies to hedge market risk & IRRBB exposures.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Management of market risk and interest rate risk in the banking book (IRRBB) is based on the following metrics:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Interest Rate Sensitivity (DV01): impact on the market value of cash flows, when submitted to a one basis point increase in the current annual interest rates or index rate;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Value at Risk (VaR): maximum market value loss for a holding period with a confidence level; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 0.5in"/><td style="width: 0.25in">●</td><td style="text-align: justify">FX exposures: considering all financial positions that bring FX risk and operational expenses in other currencies.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The table below presents the VaR, calculated using a holding period of 1 day, by a historical simulation approach, with a 5-year historical window. As of December 31, 2022, VaR for Brazil is calculated only for the Trading Book and using a confidence level of 99%, in line with the way portfolios are managed. VaR for Nu Holdings is considering only financial assets held directly by Nu Holdings, and it is not considering assets in other countries, including Brazil, Mexico and Colombia. The VaR model for Nu Holdings uses a confidence level of 99% and a holding period of 10 days.</p> <table cellpadding="0" cellspacing="0" id="xdx_88C_ecustom--SceduleOfVarTableTextBlock_zMbNoAJEAxYl" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B6_zsTEcZaEBMqa" style="display: none">Schedule of VaR for the entities in Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20220101__20221231__custom--GroupSensitivityAxis__custom--VARMember_zLurS2sW57xe" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_491_20210101__20211231__custom--GroupSensitivityAxis__custom--VARMember_zFqYS9Q3LJri" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>VaR</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_406_ecustom--NuFinanceiraINuPagamentosBrazil_pn3n3_zA3n8Bzj7NFl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_F4F_z0yqhYXz1Yl6" style="font-size: 8pt; line-height: 115%">Nu Financeira (i) / Nu Pagamentos (Brazil)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">190</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,012</span></td></tr> <tr id="xdx_40C_ecustom--NuHoldings_pn3n3_zPLjq8pkqDt7" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Nu Holdings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,321</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">340</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0A_zF9wD92WLWKg" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F12_zdZpRovg9H08" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Includes Nu Financeira and its subsidiaries Nu Invest and Nu DTVM.</td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 22.5pt; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <b>Interest rate risk </b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The following analysis is the Group's sensitivity of the mark to market fair value to an increase of 1 basis point (“bp”) (DV01) in the Brazilian risk-free curve, IPCA coupon curve, assuming a parallel shift and a constant financial position:</p> <table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--SceduleOfInterestRiskTableTextBlock_pn3n3_zP9AS82JvcHc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 4)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zowSgpzFXMw6" style="display: none"> Schedule of interest risk</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Curve</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Brazilian Risk-Free Curve</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>IPCA coupon</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 44%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>DV01</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Nu Financeira (i) / Nu Pagamentos / FIP (Brazil)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NuFinanceira1_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--BrazilianRiskFreeCurveMember_fKGkp_zb0MjXs4q4bf" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Financeira"><span style="font-size: 8pt; line-height: 115%">(41)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NuFinanceira1_pn3n3_c20210101__20211231__custom--GroupSensitivityAxis__custom--BrazilianRiskFreeCurveMember_fKGkp_zhXFTqzUnno4" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Financeira"><span style="font-size: 8pt; line-height: 115%">4</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NuFinanceira1_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--IPCACouponMember_fKGkp_zCHDPydvTy3j" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Financeira"><span style="font-size: 8pt; line-height: 115%">(5)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NuFinanceira1_pn3n3_c20210101__20211231__custom--GroupSensitivityAxis__custom--IPCACouponMember_fKGkp_zc2YgRstCutj" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Financeira"><span style="font-size: 8pt; line-height: 115%">(2)</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F03_zJsWsN40tIR2" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td id="xdx_F15_zEcGbm0qge2h" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Includes Nu Financeira and its subsidiaries Nu Invest and Nu DTVM.</td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The following analysis is the Nu México sensitivity of the mark to market fair value to an increase of 1 basis point (“bp”) (DV01) in the Mexican risk-free curve, assuming a parallel shift and a constant financial position:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Curve</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Mexican Risk-Free Curve</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>DV01</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Nu Mexico</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--NuMexico_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--MexicanRiskFreeCurveMember_zksU6U5mYeza" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Mexico"><span style="font-size: 8pt; line-height: 115%">(11)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">n/a<span id="xdx_F41_zw5PM5T83qyl" style="font-size: 8pt; line-height: 115%">*</span></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F0D_zT2q6XNJ6qdb" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">*</td> <td id="xdx_F13_zEwFta2gmwPg" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">Nu Mexico figures were not significant as of December 2021.</td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The following analysis is Nu Holding's sensitivity of the mark to market fair value to an increase of 1 basis point (“bp”) (DV01) in the US Risk-Free Curve:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Curve</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>US Risk-Free Curve</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>DV01</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: center; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Nu Holdings</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NuHoldings_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--USRiskFreeCurveMember_zIZhLTBt8Tq3" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Holdings"><span style="font-size: 8pt; line-height: 115%">(121)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--NuHoldings_pn3n3_c20210101__20211231__custom--GroupSensitivityAxis__custom--USRiskFreeCurveMember_z7EG3ubOuVki" style="padding: 2pt; text-align: right; line-height: 115%" title="Nu Holdings"><span style="font-size: 8pt; line-height: 115%">(103)</span></td></tr> </table> <p id="xdx_8A9_zHNA0H5etkba" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The interest rate risk in Colombia and in Brazilian subsidiaries other than Nu Pagamentos and Nu Financeira are deemed not significant as of December 31, 2022 and 2021. To maintain DV01 sensitivities within defined limits, interest rate futures, traded in B3, and swaps derivatives are used to hedge interest rate risk.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Foreign exchange (FX) risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The financial information may exhibit volatility due to the Group’s operations in foreign currencies, such as the Brazilian Real and Mexican and Colombian Pesos. At the Nu Holdings level, there is no net investment hedge for investments in other countries.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">As of December 31, 2022 and 2021, none of the entities of the Group had significant financial instruments in a currency other than their respective functional currencies.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The functional currency of the entities in Brazil is the Brazilian Real. Certain costs in US Dollars and Euros, or intercompany loans in US Dollars, are hedged with futures contracts, traded on the B3 exchange, based on projections of these costs, or when there are new exposures. Hedge transactions are adjusted when internal cost projections change and when the FX derivatives expire. As a result, the consolidated financial statements have no significant exposures to exchange rates after the hedge transactions take effect.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white"/> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Operational risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Operational risk is defined as the possibility of losses resulting from external events or from failure, deficiency or inadequacy of internal processes, people, or systems. In this context, the legal risk associated with inadequacy or deficiency in contracts signed by Nu, sanctions due to non-compliance with legal provisions and compensations for damages to third parties arising from the activities developed by the Company must also be considered.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The structure of control and management of operational risk and internal controls is independent of the business and support units, being responsible for the identification and assessment of operational risks, as well as for evaluating the design and effectiveness of the internal controls, covering risks such as system and services disruption, external fraud and failures in activities involved in payment scheme arrangements. This structure is also responsible for the preparation and periodic testing of the business continuity plan and for coordinating the risk assessment in new product launches and significant changes to existing processes.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Within the governance of the risk management process, mechanisms are presented to identify, measure, evaluate, monitor, and report operational risk events to each business and support area (first line), in addition to disseminating the control culture to other employees. The main results of risk assessments are presented in the Technical Forum on Operational Risk and Internal Controls and in the Risk Committee, when applicable. Applicable improvement recommendations result in action plans with planned deadlines and responsibilities.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 22.5pt; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><b>Information Technology/Cyber ("IT") risk</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">IT/Cyber risk is defined as the undesirable effects arising from a range of possible threats to the information technology infrastructure, including cybersecurity (occurrence of information security incidents), incident management (ineffective incident/problem management process, impact about service levels, costs and customer dissatisfaction), identity and access management (unauthorized access to sensitive information), data management (lack of compliance with data privacy laws or gaps in data management governance or data leakage issues), among others.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">As the Group operates in a challenging environment in terms of cyber threats, it continuously invests in controls and technologies to defend against these threats. IT risks, including cyber risk, are a priority area for Nu, thus there is a dedicated IT Risk structure, which is part of the second line. This team is independent from IT-related areas, including Engineering, IT Operations, and Information Security.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The IT/Cyber Risks area is responsible for identifying, evaluating, measuring, monitoring, controlling, and reporting Information Technology risks in relation to the risk appetite levels approved by the Executive Board. The Group continually assesses Nu's exposure to threat risk and their potential impacts on the business and customers. The Group continues to improve its IT and cybersecurity capabilities and controls, also considering that people are an essential component of the security strategy, ensuring that the employees and third-party consultants are aware of prevention measures and also know how to report incidents.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The results of the IT risk and controls assessments are regularly discussed at the IT Risk Technical Forum and presented to the Risk Committee when applicable. The applicable improvement recommendations result in action plans with planned deadlines and responsibilities.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Regulatory risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">In a complex and highly regulated environment, legislative and regulatory initiatives may result in significant changes to Nu's regulatory framework and consequently its business activities.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">To address such risks Nu maintains teams in Brazil, Colombia and Mexico dedicated to monitoring these changes and engaging to explain their potential impacts to the Group and the broader financial industry.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Legislative and regulatory initiatives that can present a material impact to the Group are brought to the attention of the Risk Committee and the management team allowing the Group, when necessary, to adjust its strategy and decide on the best course of action to deal with such changes.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Compliance risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">As the Group operates in a highly regulated environment, a robust Compliance program was established within the second line of defense. The Compliance team has resources dedicated to the Ethics Program, Regulatory Compliance as well as to Anti Money Laundering Program and Combating the Financing of Terrorism.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Ethics Program sets the minimum conduct standards for the organization, including Code of Conduct, Compliance Policies, Training, and Awareness Campaigns, as well as an independent Whistleblower Channel. Some examples include the anti-bribery and corruption risks, conflict of interest, related parties, insider trading as well as any violations from Nu's Code of Conduct.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Regulatory Compliance team is focused on overseeing the regulatory adherence of the organization. Main activities involve regulatory tracking and managing the regulatory adherence, assessment of new products and features, advisory, Compliance testing as well as centralizing the relationship with regulators regarding requests of information and exams. By not being in compliance with laws and regulations, the Group may be exposed to sanctions, loss of license as well as potential criminal implications on management.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Nu's Anti Money Laundering (AML) Program represents the global framework and guidelines for AML and Combating Terrorism Financing (CTF) and is the basis for the AML team's strategic planning. It involves the risk of the company being exposed to sanctions for not implementing controls to avoid AML or terrorism financing.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Program is structured in three levels - strategic, tactical and operational - and it's composed of 7 pillars (strategic level): Enterprise Risk Assessment; Policies and Procedures; Communication and Training; Know Your Customer (KYC); Due Diligence (KYE, KYS, KYP and KYB); MSAC - Monitoring, Selection, Analysis and Communication (SAR); and Effectiveness Assessment Program.</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt; background-color: white"><tr style="vertical-align: top"> <td style="width: 4.5pt"/><td style="width: 18pt">●</td><td style="text-align: justify"><b>Reputational risk</b></td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The Group believes that the materialization of other risks can negatively impact its reputation, as they are intrinsically connected. Unfavorable events in different risk areas such as business continuity, cyber security, ethics and integrity, social media negative activity, among others, can damage Nu's reputation.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">Therefore, the Group has teams and processes in place dedicated to overseeing external communication and for crisis management, which are key elements in identifying and mitigating reputational events, as well as to gain long-term insight to better prevent or respond to future events.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><br/> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 12pt 22.5pt; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span> <b>Risks from cryptocurrency business</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #1D1C1D">In addition to the risks set out above, the Group's activities and services related to cryptocurrency (NuCrypto) generate specific risks which are directly related to cryptocurrency technology. NuCrypto utilizes the services of an agent in the operation and management of the cryptocurrency business activity. The Group keeps a copy of the records maintained by the agent as well as its own internal tracking of customers' assets for reconciliation purposes. NuCrypto may have a liability to identify customers under consumer protection laws (like any other supplier of goods and services in Brazil) but the agent is obligated to secure the assets and protect them from loss and theft. Furthermore, the agent holds insurance for potential losses which the Group would seek to make claims upon if required, with any benefit obtained being transferred to impacted customers.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 22.5pt; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><b>Stress testing program</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The stress testing program considers shocks/impacts to Nu's main products, such as credit cards, personal loans and funding instruments, in addition to their respective sub-products. Scenarios are considered in which stress is applied in isolation, at different levels of intensity and probability, and also scenarios in which managerial actions are considered to increase the Group's resilience and preserve its capital and liquidity indicators.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; background-color: white">The proposed scenarios are presented to the Stress Testing Technical Forum. The scenarios to be addressed, duration and severity and plausibility of each shock are discussed, as well as the ways in which they will be modeled and the level of detail required. After modeling and executing the tests, the results are submitted to the appropriate committees and technical forums, an integral part of Nu's risk management structure. The proposed actions aimed at ensuring the Group's resilience are discussed and approved. The Stress Testing Program is updated annually and defines which tests the team must undertake in the next 12 months.</p> | |
| CY2022 | nu |
Borrowings And Financing Percentage
BorrowingsAndFinancingPercentage
|
0.04 | pure |
| CY2021 | nu |
Borrowings And Financing Percentage
BorrowingsAndFinancingPercentage
|
0.02 | pure |
| CY2022 | nu |
Instruments Eligible As Capital1
InstrumentsEligibleAsCapital1
|
0 | pure |
| CY2021 | nu |
Instruments Eligible As Capital1
InstrumentsEligibleAsCapital1
|
0 | pure |
| CY2022 | nu |
Total Deposits From Customers
TotalDepositsFromCustomers
|
1 | pure |
| CY2021 | nu |
Total Deposits From Customers
TotalDepositsFromCustomers
|
1 | pure |
| CY2022 | nu |
Maturities Of Financial Liabilities
MaturitiesOfFinancialLiabilities
|
<table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--MaturitiesOfFinancialLiabilities_zWggGLpnaBog" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B8_z1QpJkpljFa3" style="display: none">Schedule of financial liabilities into groups based on their contractual maturities</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="11" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 34%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial liabilities</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Carrying amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Gross nominal outflow (1)</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Up to 1 month</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1 to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3-12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Over 12 months</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,425</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_z3jSudpPGdob" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,425</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">152</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">105</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">9,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">112</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zNiKgk2F5f07" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">14,742</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zhh5OdPn2NOc" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zO0fiRmQVh89" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zhpa5UJ16ULi" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">14,742</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Repurchase agreements</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--RepurchaseAgreements_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zsXS2ChUsLe1" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">197,242</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zS95FZ7MN1S2" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zURPWbPXScq3" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z2ASnTZdQ6Aj" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Deposits in electronic money (*)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_fKCop_zgW3EUNj531k" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,534,582</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKCopKDEp_z4AYDspzFE06" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,531,753</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_fKCop_zzFk8SKp5j81" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">1,531,753</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_fKCop_zKnj5WAt7sD7" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKCop_zZ4Gov4yp9Hg" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsInElectronicMoney_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKCop_z3dq2aRXRdTe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bank receipt of deposits (RDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">14,273,959</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BankReceiptOfDepositsRDB_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zbAFZIg3Tj9j" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">14,278,498</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">13,589,341</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">207,839</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">336,218</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BankReceiptOfDepositsRDB_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">145,100</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payables to network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">7,054,783</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--PayablesToCreditCardNetwork1_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zGyCvl1wFQw6" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">7,054,784</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">3,829,399</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">1,741,186</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">1,483,533</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--PayablesToCreditCardNetwork1_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables To Credit Card Network1"><span style="font-size: 8pt; line-height: 115%">666</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zRwMcGcZhg79" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">721,480</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">482</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">17,011</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">83,182</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BorrowingsAndFinancing_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Borrowings And Financing"><span style="font-size: 8pt; line-height: 115%">620,805</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>23,667,066</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--OtherDerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--GrossNominalOutflowMember_fKDEp_zOocKqT3eXmh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>23,807,923</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>19,148,369</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>1,966,141</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>1,911,989</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--OtherDerivativeFinancialLiabilities_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Other Derivative Financial Liabilities"><span style="font-size: 8pt; line-height: 115%"><b>781,425</b></span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zrLdpwwsUdR6" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(*)</td> <td id="xdx_F13_zocz1LSzt85j" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">In accordance with regulatory requirements, in guarantee of these deposits the Group has pledged reverse repurchase agreements and securities composed of Brazilian government bonds in the total amount of US$2,252,464 to the Brazilian Central Bank as of December 31, 2022 (US$2,271,585 as of December 31, 2021).</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td id="xdx_F08_zudQ4CILUpdl" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(1)</td> <td id="xdx_F16_zkUlFC6G1z8k" style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">The gross nominal outflow was projected considering the exchange rate of Brazilian Reais, and Mexican and Colombian Pesos to US$ as of December 31, 2022 (R$5.2804, MXN19.4999 and COP4,852.50 per US$1) and the projected Brazilian CDI, obtained from B3's website, for the deposits.</td></tr> </table> | |
| CY2021Q4 | nu |
Margin Considering Rban
MarginConsideringRban
|
259429000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2022Q4 | nu |
Securities
Securities
|
91853000 | usd |
| CY2021Q4 | nu |
Securities
Securities
|
815962000 | usd |
| CY2022Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
41485000 | usd |
| CY2021Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
101318000 | usd |
| CY2022Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
305000 | usd |
| CY2021Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
1052000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
133643000 | usd |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
918332000 | usd |
| CY2022Q4 | nu |
Securities1
Securities1
|
9947138000 | usd |
| CY2021Q4 | nu |
Securities1
Securities1
|
8163428000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
9947138000 | usd |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
8163428000 | usd |
| CY2022Q4 | nu |
Compulsory Deposits At Central Banks
CompulsoryDepositsAtCentralBanks
|
2778019000 | usd |
| CY2021Q4 | nu |
Compulsory Deposits At Central Banks
CompulsoryDepositsAtCentralBanks
|
938659000 | usd |
| CY2022Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
8233072000 | usd |
| CY2021Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
4780520000 | usd |
| CY2022Q4 | nu |
Loans To Customers
LoansToCustomers
|
1673440000 | usd |
| CY2021Q4 | nu |
Loans To Customers
LoansToCustomers
|
1194814000 | usd |
| CY2022Q4 | nu |
Others Receivable
OthersReceivable
|
521670000 | usd |
| CY2021Q4 | nu |
Others Receivable
OthersReceivable
|
50349000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2021Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
18493000 | usd |
| CY2022Q4 | nu |
Financial Assets At Amortized Cost
FinancialAssetsAtAmortizedCost
|
13684484000 | usd |
| CY2021Q4 | nu |
Financial Assets At Amortized Cost
FinancialAssetsAtAmortizedCost
|
6982835000 | usd |
| CY2022Q4 | nu |
Total Finacial Assets1
TotalFinacialAssets1
|
27937581000 | usd |
| CY2021Q4 | nu |
Total Finacial Assets1
TotalFinacialAssets1
|
18770270000 | usd |
| CY2022 | nu |
Schedule Of Funding Maturity
ScheduleOfFundingMaturity
|
<table cellpadding="0" cellspacing="0" id="xdx_887_ecustom--ScheduleOfFundingMaturity_zSViFkb8Y3M3" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Management of financial risks, financial instruments, and other risks (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span id="xdx_8B6_zw9fyGCaRxxk" style="display: none">Schedule of primary sources of funding - by maturity</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Funding Sources</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 7.5pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>%</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Deposits by customers</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Bank receipt of deposits (RDB)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>14,160,805</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>113,154</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zY9riJOfx8zf" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>14,273,959</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_902_ecustom--DepositsFromCustomers1_dp_c20220101__20221231_zeZv7fQn6if4" title="Deposits From Customers">96</span>%</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zIbWGOrc3aQ3" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>7,663,355</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zuPswhlPwEpg" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>64,753</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zivVxKjL1Swf" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank receipt of deposits"><span style="font-size: 7.5pt; line-height: 115%"><i>7,728,108</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90E_ecustom--DepositsFromCustomers1_dp_c20210101__20211231_zg7aWXMnZ0s3" title="Deposits From Customers">97</span>%</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Bank receipt of deposits (RDB-V)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zRODfLtqhiK9" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zeWPYjjt4fhg" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z0bvuBtNwuYc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_901_ecustom--DepositsFromCustomers2_iI_dp0_c20221231_zd9QWwuDLZl4" title="Deposits From Customers 1">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zZHG3QvqhYMi" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>31,557</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zmtSNWs11034" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DepositsFromCustomersRdbV_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zU7pr3LxxVS4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers RdbV"><span style="font-size: 7.5pt; line-height: 115%"><i>31,557</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90B_ecustom--DepositsFromCustomers2_iI_dp_c20211231_zdtCU1DjKZ28" title="Deposits From Customers 1">1</span>%</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i>Time deposit</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zQSRnKsw2Gg7" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zSs4FAtwDVO" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TimeDeposit_iI_pn3n3_d0_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zkJf4ZQYDIW8" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_90B_ecustom--TimeDeposit1_dp0_c20220101__20221231_z8DTBTA4oKd" title="Time Deposit1">-</span></i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zlw99cs04Nb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>19,181</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TimeDeposit_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zSw8EXnlA17e" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>-</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TimeDeposit_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zFNaOmJTLIKe" style="padding: 2pt; text-align: right; line-height: 115%" title="Time Deposit"><span style="font-size: 7.5pt; line-height: 115%"><i>19,181</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><i><span id="xdx_907_ecustom--TimeDeposit1_dp_c20210101__20211231_zU6OJAqWhY2h" title="Time Deposit1">0</span>%</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z2GLnw4xz4rf" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">38,329</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zuCiVBzkhNU7" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">547,239</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zUVxQGvXWQ11" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">585,568</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_909_ecustom--BorrowingsAndFinancingPercentage_dp_c20220101__20221231_zR8zi3ghuoE7" title="Borrowings and financing percentage">4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z6ofiaN2OWxa" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">23,577</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zoWs7UGcIeC1" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">123,666</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_zFoCGTltNO5i" style="padding: 2pt; text-align: right; line-height: 115%" title="Borrowings and financing"><span style="font-size: 7.5pt; line-height: 115%">147,243</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_90C_ecustom--BorrowingsAndFinancingPercentage_dp_c20210101__20211231_zcHY7wQggTt3" title="Borrowings and financing percentage">2</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zPXIR7FsvIK5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl6998">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--InstrumentsEligibleAsCapital_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z4zkKqErdRn5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">11,507</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_90F_ecustom--InstrumentsEligibleAsCapital1_dp_c20220101__20221231_z4eV58RzOnei" title="Instruments Eligible As Capital1">0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_d0_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zV9COhzuvEkd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zBVBjcC63CV2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">12,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_z31cowso3lg5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 7.5pt; line-height: 115%">12,056</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><span id="xdx_904_ecustom--InstrumentsEligibleAsCapital1_dp_c20210101__20211231_zZziAu8fQ3q4" title="Instruments Eligible As Capital1">0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z9jxjHhmkUVk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>14,199,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zEHDMMrty7Ia" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>671,900</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zwLFNXXzb4M8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>14,871,034</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b><span id="xdx_90B_ecustom--TotalDepositsFromCustomers_dp_c20220101__20221231_zWYlwJtMC3N4" title="Total Deposits From Customers">100</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zGkRQ7qFElV4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>7,737,670</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_z9TAlKcvZuhd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>200,475</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20211231__ifrs-full--MaturityAxis__custom--TotalMember_z3LYtf78NPXc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Deposits From Customers One"><span style="font-size: 7.5pt; line-height: 115%"><b>7,938,145</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 7.5pt; line-height: 115%"><b><span id="xdx_90C_ecustom--TotalDepositsFromCustomers_dp_c20210101__20211231_zT4PHLtxWOV6" title="Total Deposits From Customers">100</span>%</b></span></td></tr> </table> | |
| CY2022 | nu |
Deposits From Customers1
DepositsFromCustomers1
|
0.96 | pure |
| CY2021 | nu |
Deposits From Customers1
DepositsFromCustomers1
|
0.97 | pure |
| CY2022Q4 | nu |
Deposits From Customers2
DepositsFromCustomers2
|
-0 | pure |
| CY2021Q4 | nu |
Deposits From Customers2
DepositsFromCustomers2
|
0.01 | pure |
| CY2022 | nu |
Disclosure Of Capital Management Explanatory
DisclosureOfCapitalManagementExplanatory
|
<p id="xdx_80A_ecustom--DisclosureOfCapitalManagementExplanatory_zCijwh9Gu99f" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">30. <span id="xdx_829_zIacfP9I19n2">Capital management</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The purpose of capital management is to maintain the capital adequacy for Nu's operation through control and monitoring of the capital position, to evaluate the capital necessity according to the risk taken and strategic aim of the organization and to establish a capital planning process in accordance with future requirements of regulatory capital, based on the Group's growth projections, risk exposure, market movements and other relevant information. Also, the capital management structure is responsible for identifying sources of capital, for writing and submitting the capital plan and capital contingent plan for approval by the Executive Directors.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">At the executive level, the ALM Technical Forum is responsible for approving risk assessment and capital calculation methodologies, and reviewing, monitoring, and recommending capital-related action plans to the Risk Committee.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Minimum capital requirements</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In Brazil, the local entities must comply with two different regulatory capital requirements: one for the Financial Conglomerate, led by Nu Financeira and composed of Nu Financeira along with Nu DTVM and Nu Invest, and the other applicable to Nu Pagamentos:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Financial Conglomerate: minimum level of capital, considering the minimum requirements for financial institutions according to Brazilian Federal Monetary Council (“CMN”) Resolution 4,958/21.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Nu Pagamentos: minimum level of capital, considering the minimum requirements for payment institutions, according to Circular BCB 3,681/13.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In March 2022, BACEN issued Resolution No. 200 which provides new prudential rules for payment institutions requiring a phased implementation that foresees an increase in the capital requirements applicable to credit card operations in Brazil. The Group's management understands that its capital is adequate to comply with the requirement of this new resolution.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In September 2021, Nu acquired Nu Mexico Financiera, S.A. de C.V., S.F.P., formerly AKALA, S.A. DE C.V., (“Akala”), a Mexican Financial Cooperative Association ("SOFIPO") and regulated by the CNBV (Comisión Nacional Bancaria Y De Valores). The regulatory capital requirements for this entity are defined by the NICAP metric (“nivel de capitalización”) set by the CNBV, which is comparable to the Basel Ratio methodology. In December 2022, Nu Mexico Financiera got the formal approval from the CNBV to execute the migration of the Credit Card portfolio. A capital injection equivalent to US$603,795 was made in the regulated entity along with the Credit Card portfolio migration to support the transferred Risk Weighted Assets (RWA). The whole Mexican operation will be executed henceforth in the regulated entity.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Colombia is in the process of requesting the <i>"</i>Licencia de Compañía de financiamiento", a license from the SFC ("Superintendencia financiera de Colombia") which would allow it to offer several consumer credit and deposit products. In August 2022 the SFC granted the incorporation license for “Nu Colombia Compañía de Financiamiento S.A.”, and by the end of October 2022 the incorporation was completed. The next step is to receive the operational license. Once “Nu Colombia Compañía de Financiamiento S.A.'' becomes operational, the regulator requires it to comply with the capital ratio defined in “Ley de margen de solvencia”.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu implemented a capital management structure with the purpose of maintaining a higher level of capital than the minimum regulatory requirements.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Composition of capital</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">i) Financial conglomerate in Brazil</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The regulatory capital used to monitor the compliance of a financial conglomerate with the Basel operating limits imposed by the Brazilian Central Bank, is the sum of two items, as follows:</p> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Tier I Capital: the sum of Common Equity Tier I, which consists of paid in capital, capital, reserves and retained earnings, less deductions, and prudential adjustments and the Additional Tier I, which consists of subordinated debt instruments without a defined maturity that meet eligibility requirements.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"/><td style="width: 0.25in">●</td><td style="text-align: justify">Tier II Capital: consists of subordinated debt instruments with defined maturity dates that meet eligibility requirements. Together with the Common Equity Tier I it composes the Total Capital.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows the calculation of the capital ratios and their minimum requirement for the Financial Conglomerate, required by the current regulation in Brazil.</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--ScheduleOfFinancialConglomerateTableTextBlock_zrjkbiHnIf37" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Capital management (Details)"> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span id="xdx_8BB_z5hFiU0ASSKk" style="display: none">Schedule of financial conglomerate</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_499_20221231_zSXA3gV9F1Fc" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_492_20211231_zQ5tOUSRJNr5" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial Conglomerate</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_408_ecustom--RegulatoryCapital_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Regulatory Capital</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,091,675</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>485,498</b></span></td></tr> <tr id="xdx_402_ecustom--TierI_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Tier I</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">905,782</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">467,225</span></td></tr> <tr id="xdx_401_ecustom--CommonEquity_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Common Equity</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>769,640</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>467,225</i></span></td></tr> <tr id="xdx_409_ecustom--Additional_iI_pn3n3_d0_zYPXseJVRjS8" style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Additional</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>136,142</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>-</i></span></td></tr> <tr id="xdx_404_ecustom--TierII_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Tier II</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">185,893</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">18,273</span></td></tr> <tr id="xdx_402_ecustom--RiskWeightedAssets1_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Risk Weighted Assets (RWA)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,106,361</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,144,499</b></span></td></tr> <tr id="xdx_401_ecustom--CreditRisk1_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit Risk (RWA CPAD)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,958,772</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,891,177</span></td></tr> <tr id="xdx_406_ecustom--MarketRisk_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Market Risk (RWA MPAD)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">70,159</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">14,825</span></td></tr> <tr id="xdx_40C_ecustom--OperationalRisk1_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Operational Risk (RWA OPAD)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,077,430</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">238,497</span></td></tr> <tr id="xdx_406_ecustom--CapitalRequired_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Capital Required</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>536,168</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>225,172</b></span></td></tr> <tr id="xdx_409_ecustom--Margin_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Margin</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>555,507</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>260,325</b></span></td></tr> <tr id="xdx_400_ecustom--BaselRatio1_iI_pdd" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Basel Ratio</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>21.4%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22.6%</b></span></td></tr> <tr id="xdx_40C_ecustom--RbanCapitalRequired_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">RBAN - Capital Required</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">128,320</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">896</span></td></tr> <tr id="xdx_40A_ecustom--MarginConsideringRban_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Margin considering RBAN</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">427,187</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">259,429</span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">ii) Nu Pagamentos</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Pagamentos’ capital management aims to determine the capital needed for its growth and to plan additional sources of capital, to permanently maintain equity in amounts higher than the requirements defined by the Brazilian Central Bank.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The subsidiary permanently maintains its shareholders' equity adjusted by the income accounts in an amount corresponding to, at least, the highest amount between i) <span id="xdx_900_ecustom--AveragePayment_pid_dp_c20220101__20221231_zmjl7uBE2EX1" title="Average payment">2</span>% of the monthly average of payment transactions carried out by the subsidiary in the last 12 (twelve) months; or ii) <span id="xdx_901_ecustom--IssuanceOfBalanceOfElectronicCoins_pid_dp_c20220101__20221231_zX1h4oTCaeH3" title="Balance of electronic coins issued">2</span>% of the balance of electronic coins issued by the Nu Pagamentos, calculated daily.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows the calculation of the capital ratio for Nu Pagamentos, in accordance with current regulation in Brazil.</p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfCapitalRatioTableTextBlock_zSgZrdy7pY1a" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Capital management (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zoPVLswbhnLl" style="display: none">Schedule of capital ratio</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20221231_z0ZRiJnfjWQ" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49D_20211231_zZWA5zvlaL35" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Nu Pagamentos</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_408_ecustom--AdjustedEquity_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Adjusted Equity</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,135,199</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>570,418</b></span></td></tr> <tr id="xdx_407_ecustom--MaxAmount_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Max Amount</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,923,171</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2,487,136</b></span></td></tr> <tr id="xdx_40E_ecustom--MonthlyAverageOfPaymentTransactions_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 22.5pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Monthly average of payment transactions</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>3,923,171</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>2,487,136</i></span></td></tr> <tr id="xdx_40D_ecustom--BalanceOfElectronicCurrencies_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Balance of electronic currencies</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,492,236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,693,514</span></td></tr> <tr id="xdx_401_ecustom--CapitalRequirementRatio1_iI_pdd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Capital Ratio</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>28.9%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>22.9%</b></span></td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>iii) Nu Mexico Financiera</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Mexico Financiera’s capital management aims to determine the capital needed for its growth and to plan additional sources of capital, to permanently maintain its Regulatory Capital higher than the requirements defined by the CNBV.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2022, its regulatory capital was equivalent to US$<span id="xdx_902_ecustom--RegulatoryCapital1_c20220101__20221231_pn3n3" title="Regulatory capital position">428,067</span> (US$<span id="xdx_90B_ecustom--RegulatoryCapital1_pn3n3_c20210101__20211231_zLyIuEpiaLm7" title="Regulatory capital position">4,435</span> on December 31, 2021), resulting in a Capital ratio of 69.81%, with 10.5% being the minimum required for Category 1 SOFIPO. Subsequent to December 31, 2022, the CNBV required that Nu Mexico Financiera accelerate its compliance with the Category 4 requirements. Considering the Category 4 SOFIPO standard, Capital ratio for SOFIPO was <span id="xdx_906_ecustom--CapitalRatio_pid_dp_c20220101__20221231_zEWWHBOFHcE5" title="Capital ratio">44.62</span>% as of December 31, 2022, and the minimum requested for Category 4 SOFIPO was <span id="xdx_900_ecustom--MinimumRequirement_pid_dp_c20220101__20221231_zRGaIzZoBbi4" title="Minimum requirement">10.5</span>%.</p> | |
| CY2022Q4 | nu |
Regulatory Capital
RegulatoryCapital
|
1091675000 | usd |
| CY2021Q4 | nu |
Regulatory Capital
RegulatoryCapital
|
485498000 | usd |
| CY2022Q4 | nu |
Tier I
TierI
|
905782000 | usd |
| CY2021Q4 | nu |
Tier I
TierI
|
467225000 | usd |
| CY2022Q4 | nu |
Common Equity
CommonEquity
|
769640000 | usd |
| CY2021Q4 | nu |
Common Equity
CommonEquity
|
467225000 | usd |
| CY2022Q4 | nu |
Additional
Additional
|
136142000 | usd |
| CY2021Q4 | nu |
Additional
Additional
|
-0 | usd |
| CY2022Q4 | nu |
Tier Ii
TierII
|
185893000 | usd |
| CY2021Q4 | nu |
Tier Ii
TierII
|
18273000 | usd |
| CY2022Q4 | nu |
Risk Weighted Assets1
RiskWeightedAssets1
|
5106361000 | usd |
| CY2021Q4 | nu |
Risk Weighted Assets1
RiskWeightedAssets1
|
2144499000 | usd |
| CY2022Q4 | nu |
Credit Risk1
CreditRisk1
|
3958772000 | usd |
| CY2021Q4 | nu |
Credit Risk1
CreditRisk1
|
1891177000 | usd |
| CY2022Q4 | nu |
Market Risk
MarketRisk
|
70159000 | usd |
| CY2021Q4 | nu |
Market Risk
MarketRisk
|
14825000 | usd |
| CY2022Q4 | nu |
Operational Risk1
OperationalRisk1
|
1077430000 | usd |
| CY2021Q4 | nu |
Operational Risk1
OperationalRisk1
|
238497000 | usd |
| CY2022Q4 | nu |
Capital Required
CapitalRequired
|
536168000 | usd |
| CY2021Q4 | nu |
Capital Required
CapitalRequired
|
225172000 | usd |
| CY2022Q4 | nu |
Margin
Margin
|
555507000 | usd |
| CY2021Q4 | nu |
Margin
Margin
|
260325000 | usd |
| CY2022Q4 | nu |
Basel Ratio1
BaselRatio1
|
0.214 | pure |
| CY2021Q4 | nu |
Basel Ratio1
BaselRatio1
|
0.226 | pure |
| CY2022Q4 | nu |
Rban Capital Required
RbanCapitalRequired
|
128320000 | usd |
| CY2021Q4 | nu |
Rban Capital Required
RbanCapitalRequired
|
896000 | usd |
| CY2022Q4 | nu |
Margin Considering Rban
MarginConsideringRban
|
427187000 | usd |
| CY2022 | nu |
Average Payment
AveragePayment
|
0.02 | pure |
| CY2022 | nu |
Issuance Of Balance Of Electronic Coins
IssuanceOfBalanceOfElectronicCoins
|
0.02 | pure |
| CY2022Q4 | nu |
Adjusted Equity
AdjustedEquity
|
1135199000 | usd |
| CY2021Q4 | nu |
Adjusted Equity
AdjustedEquity
|
570418000 | usd |
| CY2022Q4 | nu |
Max Amount
MaxAmount
|
3923171000 | usd |
| CY2021Q4 | nu |
Max Amount
MaxAmount
|
2487136000 | usd |
| CY2022Q4 | nu |
Monthly Average Of Payment Transactions
MonthlyAverageOfPaymentTransactions
|
3923171000 | usd |
| CY2021Q4 | nu |
Monthly Average Of Payment Transactions
MonthlyAverageOfPaymentTransactions
|
2487136000 | usd |
| CY2022Q4 | nu |
Balance Of Electronic Currencies
BalanceOfElectronicCurrencies
|
1492236000 | usd |
| CY2021Q4 | nu |
Balance Of Electronic Currencies
BalanceOfElectronicCurrencies
|
1693514000 | usd |
| CY2022Q4 | nu |
Capital Requirement Ratio1
CapitalRequirementRatio1
|
0.289 | pure |
| CY2021Q4 | nu |
Capital Requirement Ratio1
CapitalRequirementRatio1
|
0.229 | pure |
| CY2022 | nu |
Regulatory Capital1
RegulatoryCapital1
|
428067000 | usd |
| CY2021 | nu |
Regulatory Capital1
RegulatoryCapital1
|
4435000 | usd |
| CY2022 | nu |
Capital Ratio
CapitalRatio
|
0.4462 | pure |
| CY2022 | nu |
Minimum Requirement
MinimumRequirement
|
0.105 | pure |
| CY2022 | ifrs-full |
Disclosure Of Operating Segments Explanatory
DisclosureOfOperatingSegmentsExplanatory
|
<p id="xdx_808_eifrs-full--DisclosureOfOperatingSegmentsExplanatory_zfEg1MzL7Tqh" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">31. <span id="xdx_82B_zH5qXENEG7lg">Segment information</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In reviewing the operational performance of the Group and allocating resources, the Chief Operating Decision Maker of the Group (“CODM”), who is the Group’s Chief Executive Officer (“CEO”), reviews the consolidated statement of profit (loss) and comprehensive income (loss).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The CODM considers the whole Group as a single operating and reportable segment, monitoring operations, making decisions on fund allocation, and evaluating performance. The CODM reviews relevant financial data on a combined basis for all subsidiaries.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group’s income, results, and assets for this <span id="xdx_908_ecustom--NumberReportableSegment_c20220101__20221231_zznN6Q6CmMxg" title="Number reportable segment">one</span> reportable segment can be determined by reference to the consolidated statement of profit (loss) and other comprehensive income (loss), as well as the consolidated statements of financial position.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Information about products and services</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The information about products and services are disclosed in note 6.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Information about geographical area</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows the revenue and non-current assets per geographical area:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--SummaryOfAdditionsToNoncurrentAssetsByReportableSegmentTableTextBlock_zavaTYHSlnBl" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Segment information (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"> <span id="xdx_8BC_zR8jRrW9ENOl" style="display: none">Schedule of revenue and non-current assets per geographical area</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Revenue (a)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Non-current assets (b)</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Brazil</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Revenue_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">3,121,129</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--Revenue_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">1,285,849</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Revenue_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">609,232</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">551,668</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--BrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zVzIxuIOhmSj" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">491,805</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Mexico</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Revenue_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">201,197</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--Revenue_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">29,546</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Revenue_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">1,409</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">17,610</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--MexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zcSgSYbg4bTg" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">8,235</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Colombia</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--Revenue_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">20,369</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--Revenue_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">805</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Revenue_pn3n3_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zYfIAhmCoxR9" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">5,124</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zAxoiHfDKvq7" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">650</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Cayman Islands</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Revenue_pn3n3_d0_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zbRDRBnt6MN1" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Revenue_pn3n3_d0_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z5Gl6fIR6VO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Revenue_pn3n3_d0_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--CaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zbdE0iYA5349" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--CaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">43,994</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--CaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zl9pJze9Bao" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">831</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Germany</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--Revenue_pn3n3_d0_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--GermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zWRzeQAEcS5k" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--Revenue_pn3n3_d0_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--GermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zvbjDm1V0YM3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Revenue_pn3n3_d0_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--GermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z94v4au96Wz7" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--GermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">88</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--GermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_za6MDgN7XDK" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">150</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Argentina</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Revenue_pn3n3_d0_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--ArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zQcpGSikpcIb" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Revenue_pn3n3_d0_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--ArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zSDihyUHYps7" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Revenue_pn3n3_d0_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--ArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zJ6BucmHsjM3" style="padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--ArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">46</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--ArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zEsT6x92Blpb" style="padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">73</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">United States</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--Revenue_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">2,398</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z1iNhSrndLT1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">2,845</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Revenue_pn3n3_d0_c20200101__20201231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z9cG01lAhzh3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">7,495</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--GeographicalAreasAxis__custom--UnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zgWoBC59uDp3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%">6,187</span></td></tr> <tr style="background-color: white"> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Revenue_c20220101__20221231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%"><b>3,345,093</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Revenue_c20210101__20211231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%"><b>1,319,045</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Revenue_c20200101__20201231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Revenue"><span style="font-size: 8pt; line-height: 115%"><b>610,642</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--NoncurrentAssets_c20221231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_pn3n3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%"><b>626,025</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--NoncurrentAssets_iI_pn3n3_c20211231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zGukF2rOW4Fd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Non current assets"><span style="font-size: 8pt; line-height: 115%"><b>507,931</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">(a) Includes interest income (credit card, lending and other receivables), interchange fees, recharge fees, rewards revenue, late fees and other fees and commission income.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">(b) Non-current assets are right-of-use assets, property, plant and equipment, intangible assets, and goodwill.</p> <p id="xdx_8AC_zJTqcNZ25sQa" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group had no single customer that represented 10% or more of the Group's revenues in the years ended December 31, 2022, 2021 and 2020.</p> | |
| CY2022 | nu |
Number Reportable Segment
NumberReportableSegment
|
one | |
| CY2022 | nu |
Disclosure Of Non Cash Transactions Explanatory
DisclosureOfNonCashTransactionsExplanatory
|
<p id="xdx_801_ecustom--DisclosureOfNonCashTransactionsExplanatory_zLPCCiAQu221" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify">32. <span id="xdx_82B_z5Pw71PR9Vqi">Non-cash transactions</span></p> <table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfNonCashTransactionExplanatory_z4BQAZb68vSg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Non-cash transactions (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_zqYvVLzcJM61" style="display: none">Schedule of non cash transactions</span></td> <td id="xdx_49E_20221231_zDGAgG4nSzrg" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_490_20211231_zHtrUxzKmCJe" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49D_20201231_z9btIfWPTaz1" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 63%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--OiviasAcquisitionShareConsiderationS_iI_pn3n3_d0_zO0uwDMFciVh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Oivia's acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">36,671</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_406_ecustom--ContingentShareAwardTerminationNote_iI_pn3n3_d0_zK72H3BEAGed" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Contingent share award termination (note 10b)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">355,573</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_40B_ecustom--EasynvestAcquisitionShareConsiderationNote1c_iI_pn3n3_d0_zsAw7yMkyDK4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Easynvest acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">271,229</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_404_ecustom--ConversionOfSeniorPreferredSharesIntoEquityNote23_iI_pn3n3_d0_zjLSNvpXA6Nf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Conversion of senior preferred shares into equity</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">400,915</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_407_ecustom--SpinPayAcquisitionShareConsiderationNote1c_iI_pn3n3_d0_z89b4xiXWJp8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Spin Pay acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,346</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> </table> | |
| CY2022 | nu |
Schedule Of Non Cash Transaction Explanatory
ScheduleOfNonCashTransactionExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_886_ecustom--ScheduleOfNonCashTransactionExplanatory_z4BQAZb68vSg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Non-cash transactions (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_zqYvVLzcJM61" style="display: none">Schedule of non cash transactions</span></td> <td id="xdx_49E_20221231_zDGAgG4nSzrg" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_490_20211231_zHtrUxzKmCJe" style="padding: 2pt; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_49D_20201231_z9btIfWPTaz1" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 63%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2021</b></span></td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2020</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--OiviasAcquisitionShareConsiderationS_iI_pn3n3_d0_zO0uwDMFciVh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Oivia's acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">36,671</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_406_ecustom--ContingentShareAwardTerminationNote_iI_pn3n3_d0_zK72H3BEAGed" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Contingent share award termination (note 10b)</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">355,573</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_40B_ecustom--EasynvestAcquisitionShareConsiderationNote1c_iI_pn3n3_d0_zsAw7yMkyDK4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Easynvest acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">271,229</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_404_ecustom--ConversionOfSeniorPreferredSharesIntoEquityNote23_iI_pn3n3_d0_zjLSNvpXA6Nf" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Conversion of senior preferred shares into equity</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">400,915</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> <tr id="xdx_407_ecustom--SpinPayAcquisitionShareConsiderationNote1c_iI_pn3n3_d0_z89b4xiXWJp8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Spin Pay acquisition - share consideration</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">6,346</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">-</span></td></tr> </table> | |
| CY2022Q4 | nu |
Oivias Acquisition Share Consideration S
OiviasAcquisitionShareConsiderationS
|
36671000 | usd |
| CY2021Q4 | nu |
Oivias Acquisition Share Consideration S
OiviasAcquisitionShareConsiderationS
|
-0 | usd |
| CY2020Q4 | nu |
Oivias Acquisition Share Consideration S
OiviasAcquisitionShareConsiderationS
|
-0 | usd |
| CY2022Q4 | nu |
Contingent Share Award Termination Note
ContingentShareAwardTerminationNote
|
355573000 | usd |
| CY2021Q4 | nu |
Contingent Share Award Termination Note
ContingentShareAwardTerminationNote
|
-0 | usd |
| CY2020Q4 | nu |
Contingent Share Award Termination Note
ContingentShareAwardTerminationNote
|
-0 | usd |
| CY2022Q4 | nu |
Easynvest Acquisition Share Consideration Note1c
EasynvestAcquisitionShareConsiderationNote1c
|
-0 | usd |
| CY2021Q4 | nu |
Easynvest Acquisition Share Consideration Note1c
EasynvestAcquisitionShareConsiderationNote1c
|
271229000 | usd |
| CY2020Q4 | nu |
Easynvest Acquisition Share Consideration Note1c
EasynvestAcquisitionShareConsiderationNote1c
|
-0 | usd |
| CY2022Q4 | nu |
Conversion Of Senior Preferred Shares Into Equity Note23
ConversionOfSeniorPreferredSharesIntoEquityNote23
|
-0 | usd |
| CY2021Q4 | nu |
Conversion Of Senior Preferred Shares Into Equity Note23
ConversionOfSeniorPreferredSharesIntoEquityNote23
|
400915000 | usd |
| CY2020Q4 | nu |
Conversion Of Senior Preferred Shares Into Equity Note23
ConversionOfSeniorPreferredSharesIntoEquityNote23
|
-0 | usd |
| CY2022Q4 | nu |
Spin Pay Acquisition Share Consideration Note1c
SpinPayAcquisitionShareConsiderationNote1c
|
-0 | usd |
| CY2021Q4 | nu |
Spin Pay Acquisition Share Consideration Note1c
SpinPayAcquisitionShareConsiderationNote1c
|
6346000 | usd |
| CY2020Q4 | nu |
Spin Pay Acquisition Share Consideration Note1c
SpinPayAcquisitionShareConsiderationNote1c
|
-0 | usd |
| CY2022 | nu |
Disclosure Of Customer Crypto Safeguarding Explanatory
DisclosureOfCustomerCryptoSafeguardingExplanatory
|
<p id="xdx_80B_ecustom--DisclosureOfCustomerCryptoSafeguardingExplanatory_zUojXFFr57b6" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">33. <span id="xdx_827_zMkeq2Erf1I3">Customer crypto safeguarding</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; text-align: justify"><span style="background-color: white">In March 2022, the Securities and Exchange Commission ("SEC") released Staff Accounting Bulletin (SAB) 121, which addresses the rights and obligations of the parties to a crypto asset safeguarding arrangement. SAB 121 explains that an issuer that has obligations to safeguard digital assets held for their platform users should recognize those digital assets and a liability to return them to the customers, both of which are measured at fair value. </span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="background-color: white">In June 2022, the Group launched a platform, through its subsidiary Nu Crypto Ltda. ("Nu Crypto"), which allows clients to trade crypto assets, in partnership with a specialized broker ("Agent"). The custody activity is performed by the Agent, which holds the cryptographic key information, and the Company's contractual arrangements state that its customers retain legal ownership of the crypto; have the right to sell or transfer the crypto assets; and also benefit from the rewards and bear the risks associated with the ownership, including as a result of any crypto price fluctuations. The Company maintains an internal recordkeeping of the crypto assets held for the customers. </span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="background-color: white">The Group concluded that its activities may create crypto-asset safeguarding obligations (as defined in SAB 121) to its customers as a result of certain technological, legal and regulatory risks and, therefore, we have recorded a safeguarding liability and a corresponding asset at the fair value of the crypto assets held by customers on the Group’s platform.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 5pt 0 12pt; text-align: justify"><span style="background-color: white">The Group recorded a crypto safeguarding obligation liability and a corresponding safeguarding asset based on the fair value of the crypto assets held for its customers at December 31, 2022. The Group was not aware of any actual or possible safeguarding loss events as of December 31, 2022, and accordingly, the customer crypto safeguarding liability and the associated customer crypto safeguarding assets were recorded at the same value.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 5pt 0 12pt; text-align: justify"><span style="background-color: white">The following table summarizes the customer's crypto safeguarding assets:</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--ScheduleOfCustomerCryptoSafeguardingTableTextBlock_zUiNWBv3PME9" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Customer crypto safeguarding (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B4_zXr7yfnioAhe" style="display: none">Schedule of customer crypto safeguarding</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20220101__20221231_z2gIFZ17UjD4" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 73%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_400_ecustom--TotalApproximateNumberOfCryptoHeldForCustomers_pn3n3_zQkWuu9kLXQ3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Total approximate number of crypto held for customers</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">268,907</span></td></tr> <tr id="xdx_407_ecustom--FairValueOfCryptoassetsHeldByCustomersOnGroupsPlatform_pn3n3_zdLILkUW55L2" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Fair value of the crypto-assets held by customers on the Group's platform</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_406_ecustom--Bitcoin_pn3n3_zqLLLqO62HYc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bitcoin</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">10,227</span></td></tr> <tr id="xdx_407_ecustom--Ethereum_pn3n3_zOeJeor9QvNh" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Ethereum</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">7,823</span></td></tr> <tr id="xdx_404_ecustom--Matic_pn3n3_zLxdEY9tnWx5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Matic</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">181</span></td></tr> <tr id="xdx_408_ecustom--Uni_pn3n3_z1gnTPpaK537" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">UNI</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">82</span></td></tr> <tr id="xdx_408_ecustom--TotalCustomers_pn3n3_zmHzVUMIsMCb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>18,313</b></span></td></tr> </table> | |
| CY2022 | nu |
Total Approximate Number Of Crypto Held For Customers
TotalApproximateNumberOfCryptoHeldForCustomers
|
268907000 | usd |
| CY2022 | nu |
Bitcoin
Bitcoin
|
10227000 | usd |
| CY2022 | nu |
Ethereum
Ethereum
|
7823000 | usd |
| CY2022 | nu |
Matic
Matic
|
181000 | usd |
| CY2022 | nu |
Uni
Uni
|
82000 | usd |
| CY2022 | nu |
Total Customers
TotalCustomers
|
18313000 | usd |
| CY2022 | ifrs-full |
Disclosure Of Events After Reporting Period Explanatory
DisclosureOfEventsAfterReportingPeriodExplanatory
|
<p id="xdx_800_eifrs-full--DisclosureOfEventsAfterReportingPeriodExplanatory_zKbrp6WTyxN1" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>34. <span id="xdx_828_zXvENPmAHOyh">Subsequent events</span></b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>a) International Finance Corporation ("IFC") facility</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Colombia SA has been granted a 3-year facility in the amount of US$ 150 million from IFC (International Finance Corporation), guaranteed by Nu Holdings. The contract was signed in December 2022 and the disbursements started in January 2023.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"/> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify"><b>b) Issuance of native crypto token</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In February 2023, Nu initiated the distribution of NuCoin, which will be the native crypto token issued from Nu that enables the loyalty network ("Nucoin Network") between Nu and its customers. Over time, Nu aims to have other sponsoring companies (“Sponsors”) that commit to use Nucoin as their loyalty program. These Sponsors will be entitled to a certain number of Nucoin to distribute to their customers and will be required to offer benefits to Nucoin holders to incentivize the network adoption and increase the overall utility to the community.</p> |
