2023 Q4 Form 20-F Financial Statement
#000129281424001464 Filed on April 19, 2024
Income Statement
| Concept | 2023 Q4 | 2023 | 2020 Q4 |
|---|---|---|---|
| Revenue | $2.405B | $8.029B | $202.6M |
| YoY Change | 65.79% | 67.54% | |
| Cost Of Revenue | $669.2M | $2.253B | $70.55M |
| YoY Change | 46.44% | 30.65% | |
| Gross Profit | $1.736B | $5.776B | $132.0M |
| YoY Change | 74.69% | 247.33% | |
| Gross Profit Margin | 72.17% | 71.94% | 65.17% |
| Selling, General & Admin | $479.2M | $1.638B | $114.4M |
| YoY Change | -35.58% | -236.87% | |
| % of Gross Profit | 27.61% | 28.37% | 86.64% |
| Research & Development | |||
| YoY Change | |||
| % of Gross Profit | |||
| Depreciation & Amortization | $16.50M | $62.90M | $3.645M |
| YoY Change | 66.92% | 76.77% | |
| % of Gross Profit | 0.95% | 1.09% | 2.76% |
| Operating Expenses | $1.176B | $4.237B | $157.8M |
| YoY Change | -3.25% | -453.93% | |
| Operating Profit | $559.9M | $1.539B | -$25.81M |
| YoY Change | -352.51% | -46.19% | |
| Interest Expense | $2.037B | -$87.97M | |
| YoY Change | 31.59% | ||
| % of Operating Profit | 132.35% | ||
| Other Income/Expense, Net | |||
| YoY Change | |||
| Pretax Income | $559.9M | $1.539B | -$113.8M |
| YoY Change | -352.51% | -598.24% | |
| Income Tax | $199.1M | $508.5M | -$6.715M |
| % Of Pretax Income | 35.55% | 33.04% | |
| Net Earnings | $360.9M | $1.031B | -$107.1M |
| YoY Change | -221.26% | -382.62% | |
| Net Earnings / Revenue | 15.01% | 12.84% | -52.85% |
| Basic Earnings Per Share | |||
| Diluted Earnings Per Share | $0.07 | $0.21 | -$23.23K |
| COMMON SHARES | |||
| Basic Shares Outstanding | |||
| Diluted Shares Outstanding |
Balance Sheet
| Concept | 2023 Q4 | 2023 | 2020 Q4 |
|---|---|---|---|
| SHORT-TERM ASSETS | |||
| Cash & Short-Term Investments | $5.069B | $5.069B | |
| YoY Change | 28.02% | 28.02% | |
| Cash & Equivalents | $1.475M | $1.475M | |
| Short-Term Investments | |||
| Other Short-Term Assets | $81.69M | $81.69M | |
| YoY Change | 32.3% | 32.3% | |
| Inventory | |||
| Prepaid Expenses | |||
| Receivables | |||
| Other Receivables | |||
| Total Short-Term Assets | $6.839B | $6.839B | |
| YoY Change | 50.56% | 50.56% | |
| LONG-TERM ASSETS | |||
| Property, Plant & Equipment | $69.75M | $69.75M | |
| YoY Change | 50.12% | 50.12% | |
| Goodwill | $397.5M | $831.0K | |
| YoY Change | 0.04% | ||
| Intangibles | |||
| YoY Change | |||
| Long-Term Investments | $17.71B | $17.71B | |
| YoY Change | 31.12% | 31.12% | |
| Other Assets | $1.769B | $1.769B | |
| YoY Change | 82.61% | 82.61% | |
| Total Long-Term Assets | $36.51B | $36.51B | |
| YoY Change | 43.77% | 43.77% | |
| TOTAL ASSETS | |||
| Total Short-Term Assets | $6.839B | $6.839B | |
| Total Long-Term Assets | $36.51B | $36.51B | |
| Total Assets | $43.35B | $43.35B | |
| YoY Change | 44.8% | 44.8% | |
| SHORT-TERM LIABILITIES | |||
| YoY Change | |||
| Accounts Payable | $9.755B | $9.755B | |
| YoY Change | 38.28% | 38.28% | |
| Accrued Expenses | $166.9M | $166.9M | |
| YoY Change | 84.22% | 84.22% | |
| Deferred Revenue | |||
| YoY Change | |||
| Short-Term Debt | $23.90B | $23.90B | |
| YoY Change | 49.33% | 49.33% | |
| Long-Term Debt Due | $113.6M | $113.6M | |
| YoY Change | 196.37% | 196.37% | |
| Total Short-Term Liabilities | $35.12B | $35.24B | |
| YoY Change | 48.2% | 48.68% | |
| LONG-TERM LIABILITIES | |||
| Long-Term Debt | $1.173B | $1.060B | |
| YoY Change | 106.71% | 86.7% | |
| Other Long-Term Liabilities | $640.9M | $640.9M | |
| YoY Change | -12.78% | -12.78% | |
| Total Long-Term Liabilities | $1.814B | $1.701B | |
| YoY Change | 39.29% | 30.57% | |
| TOTAL LIABILITIES | |||
| Total Short-Term Liabilities | $35.12B | $35.24B | |
| Total Long-Term Liabilities | $1.814B | $1.701B | |
| Total Liabilities | $36.94B | $36.94B | |
| YoY Change | 47.5% | 47.5% | |
| 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 | $6.406B | $6.406B | |
| YoY Change | |||
| Total Liabilities & Shareholders Equity | $43.35B | $43.35B | |
| YoY Change | 44.8% | 44.8% |
Cashflow Statement
| Concept | 2023 Q4 | 2023 | 2020 Q4 |
|---|---|---|---|
| OPERATING ACTIVITIES | |||
| Net Income | $360.9M | $1.031B | -$107.1M |
| YoY Change | -221.26% | -382.62% | |
| Depreciation, Depletion And Amortization | $16.50M | $62.90M | $3.645M |
| YoY Change | 66.92% | 76.77% | |
| Cash From Operating Activities | $2.706B | $1.266B | -$191.6M |
| YoY Change | 1085.22% | 67.58% | |
| INVESTING ACTIVITIES | |||
| Capital Expenditures | $30.90M | $177.0M | -$2.863M |
| YoY Change | 11.6% | 54.85% | |
| Acquisitions | |||
| YoY Change | |||
| Other Investing Activities | $0.00 | $0.00 | -$1.000K |
| YoY Change | -100.0% | ||
| Cash From Investing Activities | -$30.90M | -$177.0M | -$2.864M |
| YoY Change | 11.6% | 39.21% | |
| FINANCING ACTIVITIES | |||
| Cash Dividend Paid | |||
| YoY Change | |||
| Common Stock Issuance & Retirement, Net | $1.148M | $9.148M | $4.012M |
| YoY Change | |||
| Debt Paid & Issued, Net | |||
| YoY Change | |||
| Cash From Financing Activities | 9.915M | 425.2M | -24.41M |
| YoY Change | -90.58% | -34.99% | |
| NET CHANGE | |||
| Cash From Operating Activities | 2.706B | 1.266B | -191.6M |
| Cash From Investing Activities | -30.90M | -177.0M | -2.864M |
| Cash From Financing Activities | 9.915M | 425.2M | -24.41M |
| Net Change In Cash | 2.686B | 1.514B | -218.9M |
| YoY Change | 777.86% | 18.09% | |
| FREE CASH FLOW | |||
| Cash From Operating Activities | $2.706B | $1.266B | -$191.6M |
| Capital Expenditures | $30.90M | $177.0M | -$2.863M |
| Free Cash Flow | $2.676B | $1.089B | -$188.8M |
| YoY Change | 1233.37% | 69.85% |
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|
2285218000 | usd |
| CY2022 | nu |
Credit Loss Allowance Expenses
CreditLossAllowanceExpenses
|
1404911000 | usd |
| CY2021 | nu |
Credit Loss Allowance Expenses
CreditLossAllowanceExpenses
|
480643000 | usd |
| CY2023 | nu |
Total Cost Of Financial And Transactional Services Provided
TotalCostOfFinancialAndTransactionalServicesProvided
|
4538073000 | usd |
| CY2022 | nu |
Total Cost Of Financial And Transactional Services Provided
TotalCostOfFinancialAndTransactionalServicesProvided
|
3129241000 | usd |
| CY2021 | nu |
Total Cost Of Financial And Transactional Services Provided
TotalCostOfFinancialAndTransactionalServicesProvided
|
965106000 | usd |
| CY2023 | ifrs-full |
Gross Profit
GrossProfit
|
3490903000 | usd |
| CY2022 | ifrs-full |
Gross Profit
GrossProfit
|
1662990000 | usd |
| CY2021 | ifrs-full |
Gross Profit
GrossProfit
|
732917000 | usd |
| CY2023 | nu |
Customer Support And Operations
CustomerSupportAndOperations
|
488082000 | usd |
| CY2022 | nu |
Customer Support And Operations
CustomerSupportAndOperations
|
335363000 | usd |
| CY2021 | nu |
Customer Support And Operations
CustomerSupportAndOperations
|
190509000 | usd |
| CY2023 | nu |
General And Administrative Expenses
GeneralAndAdministrativeExpenses
|
1042290000 | usd |
| CY2022 | nu |
General And Administrative Expenses
GeneralAndAdministrativeExpenses
|
1333267000 | usd |
| CY2021 | nu |
General And Administrative Expenses
GeneralAndAdministrativeExpenses
|
628901000 | usd |
| CY2022 | nu |
Contingent Share Award Csa Terminations
ContingentShareAwardCsaTerminations
|
355573000 | usd |
| CY2023 | nu |
Other General And Administrative Expenses
OtherGeneralAndAdministrativeExpenses
|
1042290000 | usd |
| CY2022 | nu |
Other General And Administrative Expenses
OtherGeneralAndAdministrativeExpenses
|
977694000 | usd |
| CY2021 | nu |
Other General And Administrative Expenses
OtherGeneralAndAdministrativeExpenses
|
628901000 | usd |
| CY2023 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
171022000 | usd |
| CY2022 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
152997000 | usd |
| CY2021 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
79574000 | usd |
| CY2023 | ifrs-full |
Other Expense By Function
OtherExpenseByFunction
|
250431000 | usd |
| CY2022 | ifrs-full |
Other Expense By Function
OtherExpenseByFunction
|
150264000 | usd |
| CY2021 | ifrs-full |
Other Expense By Function
OtherExpenseByFunction
|
4097000 | usd |
| CY2023 | ifrs-full |
Operating Expense
OperatingExpense
|
1951825000 | usd |
| CY2022 | ifrs-full |
Operating Expense
OperatingExpense
|
1971891000 | usd |
| CY2021 | ifrs-full |
Operating Expense
OperatingExpense
|
903081000 | usd |
| CY2023 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
1539078000 | usd |
| CY2022 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
-308901000 | usd |
| CY2021 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
-170164000 | usd |
| CY2023 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
1184230000 | usd |
| CY2022 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
473345000 | usd |
| CY2021 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
219824000 | usd |
| CY2023 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
-675682000 | usd |
| CY2022 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
-417612000 | usd |
| CY2021 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
-224654000 | usd |
| CY2023 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
508548000 | usd |
| CY2022 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
55733000 | usd |
| CY2021 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
-4830000 | usd |
| CY2023 | ifrs-full |
Profit Loss
ProfitLoss
|
1030530000 | usd |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
-364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
-165334000 | usd |
| CY2023 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
1030530000 | 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 |
| CY2022 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
-56000 | usd |
| CY2021 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2023 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.2175 | |
| CY2022 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
-0.0780 | |
| CY2021 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
-0.1030 | |
| CY2023 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.2121 | |
| CY2022 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
-0.0780 | |
| CY2021 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
-0.1030 | |
| CY2023 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
4738841000 | shares |
| CY2022 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
4676977000 | shares |
| CY2021 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
1602126000 | shares |
| CY2023 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
4857579000 | shares |
| CY2022 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
4676977000 | shares |
| CY2021 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
1602126000 | shares |
| CY2023 | ifrs-full |
Profit Loss
ProfitLoss
|
1030530000 | usd |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
-364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
-165334000 | usd |
| CY2023 | nu |
Effective Portion Of Changes In Fair Value
EffectivePortionOfChangesInFairValue
|
29305000 | 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 |
| CY2023 | 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
|
-13018000 | 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 |
| CY2023 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
-3616000 | usd |
| CY2022 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
-2815000 | usd |
| CY2021 | nu |
Deferred Tax Expense Income1
DeferredTaxExpenseIncome1
|
1025000 | usd |
| CY2023 | nu |
Gains Losses On Cash Flow Hedges Before Tax1
GainsLossesOnCashFlowHedgesBeforeTax1
|
19903000 | 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 |
| CY2023 | nu |
Gains Losses On Remeasuring Availableforsale Financial Assets Before Tax1
GainsLossesOnRemeasuringAvailableforsaleFinancialAssetsBeforeTax1
|
32246000 | 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 |
| CY2023 | nu |
Other Deferred Tax Expense Income1
OtherDeferredTaxExpenseIncome1
|
1950000 | usd |
| CY2022 | nu |
Other Deferred Tax Expense Income1
OtherDeferredTaxExpenseIncome1
|
1986000 | usd |
| CY2021 | nu |
Other Deferred Tax Expense Income1
OtherDeferredTaxExpenseIncome1
|
1305000 | usd |
| CY2023 | nu |
Financial Assets At Fair Value Through Other Comprehensive Income1
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome1
|
30296000 | 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 |
| CY2023 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
243853000 | usd |
| CY2022 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
2580000 | usd |
| CY2021 | nu |
Currency Translation On Foreign Entitie
CurrencyTranslationOnForeignEntitie
|
-13855000 | usd |
| CY2023 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax
|
294052000 | 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 |
| CY2023 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
29000 | 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 |
| CY2023 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax
|
29000 | 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 |
| CY2023 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
294081000 | 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 |
| CY2023 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
1324611000 | usd |
| CY2022 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
-393058000 | usd |
| CY2021 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
-177061000 | usd |
| CY2023 | ifrs-full |
Other Comprehensive Income Attributable To Owners Of Parent
OtherComprehensiveIncomeAttributableToOwnersOfParent
|
1324611000 | 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 |
| CY2022 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
-56000 | usd |
| CY2021 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2023Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
5923440000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2023Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
389875000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
133643000 | usd |
| CY2023Q4 | nu |
Securities
Securities
|
368574000 | usd |
| CY2022Q4 | nu |
Securities
Securities
|
91853000 | usd |
| CY2023Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
20981000 | usd |
| CY2022Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
41485000 | usd |
| CY2023Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
320000 | usd |
| CY2022Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
305000 | usd |
| CY2023Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
8805745000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
9947138000 | usd |
| CY2023Q4 | nu |
Other Securities
OtherSecurities
|
8805745000 | usd |
| CY2022Q4 | nu |
Other Securities
OtherSecurities
|
9947138000 | usd |
| CY2023Q4 | ifrs-full |
Financial Assets At Amortised Cost
FinancialAssetsAtAmortisedCost
|
24988919000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Amortised Cost
FinancialAssetsAtAmortisedCost
|
13684484000 | usd |
| CY2023Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
12414133000 | usd |
| CY2022Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
8233072000 | usd |
| CY2023Q4 | ifrs-full |
Loans And Advances To Customers
LoansAndAdvancesToCustomers
|
3202334000 | usd |
| CY2022Q4 | ifrs-full |
Loans And Advances To Customers
LoansAndAdvancesToCustomers
|
1673440000 | usd |
| CY2023Q4 | nu |
Compulsory And Other Deposits At Central Banks
CompulsoryAndOtherDepositsAtCentralBanks
|
7447483000 | usd |
| CY2022Q4 | nu |
Compulsory And Other Deposits At Central Banks
CompulsoryAndOtherDepositsAtCentralBanks
|
2778019000 | usd |
| CY2023Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
1689030000 | usd |
| CY2022Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
521670000 | usd |
| CY2023Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
131519000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2023Q4 | nu |
Securitie
Securitie
|
104420000 | usd |
| CY2023Q4 | nu |
Customer Crypto Safeguarding Asset
CustomerCryptoSafeguardingAsset
|
153254000 | usd |
| CY2022Q4 | nu |
Customer Crypto Safeguarding Asset
CustomerCryptoSafeguardingAsset
|
18313000 | usd |
| CY2023Q4 | ifrs-full |
Other Assets
OtherAssets
|
936209000 | usd |
| CY2022Q4 | ifrs-full |
Other Assets
OtherAssets
|
541903000 | usd |
| CY2023Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
1537835000 | usd |
| CY2022Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
811050000 | usd |
| CY2023Q4 | ifrs-full |
Rightofuse Assets
RightofuseAssets
|
30459000 | usd |
| CY2022Q4 | ifrs-full |
Rightofuse Assets
RightofuseAssets
|
18982000 | usd |
| CY2023Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
39294000 | usd |
| CY2022Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
27482000 | usd |
| CY2023Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
295881000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2023Q4 | ifrs-full |
Goodwill
Goodwill
|
397538000 | usd |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2023Q4 | ifrs-full |
Assets
Assets
|
43498449000 | usd |
| CY2022Q4 | ifrs-full |
Assets
Assets
|
29934872000 | usd |
| CY2023Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss
FinancialLiabilitiesAtFairValueThroughProfitOrLoss
|
242615000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss
FinancialLiabilitiesAtFairValueThroughProfitOrLoss
|
218174000 | usd |
| CY2023Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
28173000 | usd |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
9425000 | usd |
| CY2023Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
3988000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
11507000 | usd |
| CY2023Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
210454000 | usd |
| CY2022Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
197242000 | usd |
| CY2023Q4 | ifrs-full |
Financial Liabilities At Amortised Cost
FinancialLiabilitiesAtAmortisedCost
|
34582759000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Amortised Cost
FinancialLiabilitiesAtAmortisedCost
|
23448892000 | usd |
| CY2023Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
23691130000 | usd |
| CY2022Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
15808541000 | usd |
| CY2023Q4 | ifrs-full |
Other Payables
OtherPayables
|
9755285000 | usd |
| CY2022Q4 | ifrs-full |
Other Payables
OtherPayables
|
7054783000 | usd |
| CY2023Q4 | ifrs-full |
Borrowings
Borrowings
|
1136344000 | usd |
| CY2022Q4 | ifrs-full |
Borrowings
Borrowings
|
585568000 | usd |
| CY2023Q4 | nu |
Salaries Allowances And Social Security Contributions
SalariesAllowancesAndSocialSecurityContributions
|
166876000 | usd |
| CY2022Q4 | nu |
Salaries Allowances And Social Security Contributions
SalariesAllowancesAndSocialSecurityContributions
|
90587000 | usd |
| CY2023Q4 | nu |
Tax Liabilities
TaxLiabilities
|
1300845000 | usd |
| CY2022Q4 | nu |
Tax Liabilities
TaxLiabilities
|
511017000 | usd |
| CY2023Q4 | nu |
Lease Liabilities1
LeaseLiabilities1
|
36942000 | usd |
| CY2022Q4 | nu |
Lease Liabilities1
LeaseLiabilities1
|
20353000 | usd |
| CY2023Q4 | nu |
Provision For Lawsuits And Administrative Proceedings
ProvisionForLawsuitsAndAdministrativeProceedings
|
8082000 | usd |
| CY2022Q4 | nu |
Provision For Lawsuits And Administrative Proceedings
ProvisionForLawsuitsAndAdministrativeProceedings
|
17947000 | usd |
| CY2023Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
68360000 | usd |
| CY2022Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
41688000 | usd |
| CY2022Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
41118000 | usd |
| CY2023Q4 | nu |
Customer Crypto Safeguarding Liability
CustomerCryptoSafeguardingLiability
|
153254000 | usd |
| CY2022Q4 | nu |
Customer Crypto Safeguarding Liability
CustomerCryptoSafeguardingLiability
|
18313000 | usd |
| CY2023Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
532331000 | usd |
| CY2022Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
636000000 | usd |
| CY2023Q4 | ifrs-full |
Liabilities
Liabilities
|
37092064000 | usd |
| CY2022Q4 | ifrs-full |
Liabilities
Liabilities
|
25044089000 | usd |
| CY2023Q4 | ifrs-full |
Issued Capital
IssuedCapital
|
84000 | usd |
| CY2022Q4 | ifrs-full |
Issued Capital
IssuedCapital
|
83000 | usd |
| CY2023Q4 | ifrs-full |
Share Premium
SharePremium
|
4972922000 | usd |
| CY2022Q4 | ifrs-full |
Share Premium
SharePremium
|
4963774000 | usd |
| CY2023Q4 | nu |
Accumulated Gains
AccumulatedGains
|
1276949000 | usd |
| CY2022Q4 | nu |
Accumulated Gains
AccumulatedGains
|
64577000 | usd |
| CY2023Q4 | ifrs-full |
Accumulated Other Comprehensive Income
AccumulatedOtherComprehensiveIncome
|
156430000 | usd |
| CY2022Q4 | ifrs-full |
Accumulated Other Comprehensive Income
AccumulatedOtherComprehensiveIncome
|
-137651000 | usd |
| CY2023Q4 | ifrs-full |
Equity
Equity
|
6406385000 | usd |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
4890783000 | usd |
| CY2023Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
43498449000 | usd |
| CY2022Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
29934872000 | usd |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
4890783000 | usd |
| CY2023 | ifrs-full |
Profit Loss
ProfitLoss
|
1030530000 | usd |
| CY2023 | nu |
Sharebased Compensation Net Of Shares Withheld For Employee Taxes
SharebasedCompensationNetOfSharesWithheldForEmployeeTaxes
|
160309000 | usd |
| CY2023 | nu |
Shares Issued To Service Providers
SharesIssuedToServiceProviders
|
21533000 | usd |
| CY2023 | nu |
Share Issued
ShareIssued
|
1000 | usd |
| CY2023 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
9148000 | usd |
| CY2023 | nu |
Reserve Of Cash Flow Hedges Continuing Hedges1
ReserveOfCashFlowHedgesContinuingHedges1
|
19903000 | usd |
| CY2023 | nu |
Fair Value Changes Financial Assets At Fvtoci
FairValueChangesFinancialAssetsAtFvtoci
|
30296000 | usd |
| CY2023 | nu |
Currency Translation On Foreign Entities
CurrencyTranslationOnForeignEntities
|
243853000 | usd |
| CY2023 | nu |
Own Credit Adjustment
OwnCreditAdjustment
|
29000 | usd |
| CY2023Q4 | ifrs-full |
Equity
Equity
|
6406385000 | 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 |
Loss Of Control Of Subsidiary
LossOfControlOfSubsidiary
|
-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 Payments Granted Net Of Shares Withheld For Employee Taxes
SharebasedPaymentsGrantedNetOfSharesWithheldForEmployeeTaxes
|
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
TransactionsCostsFromIpo
|
-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 |
| CY2023 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
-1030530000 | usd |
| CY2022 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
364634000 | usd |
| CY2021 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
165334000 | usd |
| CY2023 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense
AdjustmentsForDepreciationAndAmortisationExpense
|
62895000 | 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 |
| CY2023 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
2487648000 | usd |
| CY2022 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
1440922000 | usd |
| CY2021 | nu |
Credit Loss Allowance Expenses1
CreditLossAllowanceExpenses1
|
503679000 | usd |
| CY2023 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-675682000 | usd |
| CY2022 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-417612000 | usd |
| CY2021 | ifrs-full |
Adjustments For Deferred Tax Expense
AdjustmentsForDeferredTaxExpense
|
-224654000 | usd |
| CY2021 | nu |
Customer Program
CustomerProgram
|
11180000 | usd |
| CY2023 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
17098000 | usd |
| CY2022 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
-1174000 | usd |
| CY2021 | nu |
Provision For Administrative And Legal Proceedings
ProvisionForAdministrativeAndLegalProceedings
|
2818000 | usd |
| CY2023 | nu |
Unrealized Losses On Other Investments
UnrealizedLossesOnOtherInvestments
|
20000 | usd |
| CY2022 | nu |
Unrealized Losses On Other Investments
UnrealizedLossesOnOtherInvestments
|
848000 | usd |
| CY2021 | nu |
Unrealized Losses On Other Investments
UnrealizedLossesOnOtherInvestments
|
-39280000 | usd |
| CY2023 | nu |
Unrealized Losses On Financial Instruments
UnrealizedLossesOnFinancialInstruments
|
15885000 | usd |
| CY2022 | nu |
Unrealized Losses On Financial Instruments
UnrealizedLossesOnFinancialInstruments
|
17794000 | usd |
| CY2021 | nu |
Unrealized Losses On Financial Instruments
UnrealizedLossesOnFinancialInstruments
|
19338000 | usd |
| CY2023 | nu |
Interest Accrued
InterestAccrued
|
103572000 | usd |
| CY2022 | nu |
Interest Accrued
InterestAccrued
|
32479000 | usd |
| CY2021 | nu |
Interest Accrued
InterestAccrued
|
11077000 | usd |
| CY2022 | nu |
Contingent Share Award Csa Termination
ContingentShareAwardCsaTermination
|
355573000 | usd |
| CY2023 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
212551000 | usd |
| CY2022 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
253203000 | usd |
| CY2021 | ifrs-full |
Adjustments For Sharebased Payments
AdjustmentsForSharebasedPayments
|
157324000 | usd |
| CY2023 | nu |
Others
Others
|
23056000 | usd |
| CY2022 | nu |
Others
Others
|
8203000 | usd |
| CY2023 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
3277573000 | usd |
| CY2022 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
1361183000 | usd |
| CY2021 | ifrs-full |
Adjustments For Reconcile Profit Loss
AdjustmentsForReconcileProfitLoss
|
293487000 | usd |
| CY2023 | nu |
Operating Securities
OperatingSecurities
|
699076000 | usd |
| CY2022 | nu |
Operating Securities
OperatingSecurities
|
-1102864000 | usd |
| CY2021 | nu |
Operating Securities
OperatingSecurities
|
-4666792000 | usd |
| CY2023 | nu |
Compulsory Deposits And Others At Central Banks
CompulsoryDepositsAndOthersAtCentralBanks
|
-4540463000 | 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 |
| CY2023 | ifrs-full |
Adjustments For Decrease Increase In Other Operating Receivables
AdjustmentsForDecreaseIncreaseInOtherOperatingReceivables
|
-7878307000 | 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 |
| CY2023 | nu |
Loans To Customers One
LoansToCustomersOne
|
-3577534000 | usd |
| CY2022 | nu |
Loans To Customers One
LoansToCustomersOne
|
-1889278000 | usd |
| CY2021 | nu |
Loans To Customers One
LoansToCustomersOne
|
-1522217000 | usd |
| CY2023 | ifrs-full |
Adjustments For Decrease Increase In Trade And Other Receivables
AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables
|
-1136488000 | usd |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Trade And Other Receivables
AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables
|
-481824000 | usd |
| CY2023 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
-60982000 | 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 |
| CY2023 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Banks
AdjustmentsForIncreaseDecreaseInDepositsFromBanks
|
7664820000 | 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 |
| CY2023 | nu |
Payables To Network
PayablesToNetwork
|
2818592000 | usd |
| CY2022 | nu |
Payables To Network
PayablesToNetwork
|
2221037000 | usd |
| CY2021 | nu |
Payables To Network
PayablesToNetwork
|
1602485000 | usd |
| CY2023 | nu |
Deferred Income1
DeferredIncome1
|
25935000 | usd |
| CY2022 | nu |
Deferred Income1
DeferredIncome1
|
11277000 | usd |
| CY2021 | nu |
Deferred Income1
DeferredIncome1
|
4848000 | usd |
| CY2023 | nu |
Other Liabilities1
OtherLiabilities1
|
-1279987000 | usd |
| CY2022 | nu |
Other Liabilities1
OtherLiabilities1
|
-979277000 | usd |
| CY2021 | nu |
Other Liabilities1
OtherLiabilities1
|
-417225000 | usd |
| CY2023 | nu |
Interest Paid1
InterestPaid1
|
82904000 | usd |
| CY2022 | nu |
Interest Paid1
InterestPaid1
|
30935000 | usd |
| CY2021 | nu |
Interest Paid1
InterestPaid1
|
9062000 | usd |
| CY2023 | nu |
Income Tax Paid
IncomeTaxPaid
|
612447000 | usd |
| CY2022 | nu |
Income Tax Paid
IncomeTaxPaid
|
297090000 | usd |
| CY2021 | nu |
Income Tax Paid
IncomeTaxPaid
|
52314000 | usd |
| CY2023 | nu |
Interest Received
InterestReceived
|
3389331000 | usd |
| CY2022 | nu |
Interest Received
InterestReceived
|
1573133000 | usd |
| CY2021 | nu |
Interest Received
InterestReceived
|
563550000 | usd |
| CY2023 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
1266189000 | 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 |
| CY2023 | ifrs-full |
Other Cash Payments To Acquire Equity Or Debt Instruments Of Other Entities Classified As Investing Activities
OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities
|
20243000 | 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 |
| CY2023 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
156760000 | usd |
| CY2022 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
94305000 | usd |
| CY2021 | nu |
Acquisition Of Intangible Assets
AcquisitionOfIntangibleAssets
|
22473000 | 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 |
| CY2022 | nu |
Equity Instrument1
EquityInstrument1
|
2500000 | usd |
| CY2021 | nu |
Equity Instrument1
EquityInstrument1
|
11211000 | usd |
| CY2023 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-177003000 | 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 |
| CY2021 | nu |
Issuance Of Preferred Shares
IssuanceOfPreferredShares
|
800000000 | usd |
| CY2022 | nu |
Issuance Of Shares For Overallotment In Ipo
IssuanceOfSharesForOverallotmentInIpo
|
247998000 | usd |
| CY2021 | nu |
Issuance Of Shares For Overallotment In Ipo
IssuanceOfSharesForOverallotmentInIpo
|
2590846000 | usd |
| CY2022 | nu |
Transactions Costs For Overallotment In Ipo
TransactionsCostsForOverallotmentInIpo
|
3985000 | usd |
| CY2021 | nu |
Transactions Costs For Overallotment In Ipo
TransactionsCostsForOverallotmentInIpo
|
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 |
| CY2023 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
469501000 | usd |
| CY2022 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
581142000 | usd |
| CY2021 | nu |
Proceeds From Borrowings And Financing
ProceedsFromBorrowingsAndFinancing
|
116349000 | usd |
| CY2023 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
46501000 | usd |
| CY2022 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
159983000 | usd |
| CY2021 | nu |
Payments Of Borrowings And Financing
PaymentsOfBorrowingsAndFinancing
|
60523000 | usd |
| CY2023 | nu |
Lease Payments
LeasePayments
|
6933000 | usd |
| CY2022 | nu |
Lease Payments
LeasePayments
|
5005000 | usd |
| CY2021 | nu |
Lease Payments
LeasePayments
|
4387000 | usd |
| CY2023 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
9148000 | usd |
| CY2022 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
4505000 | usd |
| CY2021 | nu |
Exercise Of Stock Options
ExerciseOfStockOptions
|
12252000 | usd |
| CY2021 | nu |
Shares Repurchased
SharesRepurchased
|
4607000 | usd |
| CY2023 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
425215000 | 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 |
| CY2023 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
1514401000 | 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 |
| 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 |
| CY2023 | nu |
Foreign Exchange Rate Changes On Cash And Cash Equivalents
ForeignExchangeRateChangesOnCashAndCashEquivalents
|
236723000 | 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 |
| CY2023Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
5923440000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
2705675000 | usd |
| CY2023 | nu |
Increase Decrease In Cash And Cash Equivalent
IncreaseDecreaseInCashAndCashEquivalent
|
1514401000 | 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 |
| CY2022 | nu |
Olivias Acquisition Share Consideration
OliviasAcquisitionShareConsideration
|
36671000 | usd |
| CY2023 | nu |
Shares Issued To Services Provider
SharesIssuedToServicesProvider
|
21533000 | usd |
| CY2022 | nu |
Contingent Share Award Csa Termination Of Non Cash Transaction
ContingentShareAwardCsaTerminationOfNonCashTransaction
|
355573000 | usd |
| CY2021 | nu |
Easynvest Acquisition Share Consideration
EasynvestAcquisitionShareConsideration
|
271229000 | usd |
| CY2021 | nu |
Conversion Of Senior Preferred Shares Into Equity
ConversionOfSeniorPreferredSharesIntoEquity
|
400915000 | usd |
| CY2021 | nu |
Spin Pay Acquisition Share Consideration
SpinPayAcquisitionShareConsideration
|
6346000 | usd |
| CY2023 | nu |
Disclosure Of Operations
DisclosureOfOperations
|
<p id="xdx_80E_ecustom--DisclosureOfOperations_zm1CeAGjttwb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">1. <span id="xdx_824_zg8Zk27JQRFk">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”. The Company holds investments in several operating entities and, as of December 31, 2023, 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><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 which allows payments for purchases to be made in monthly installments), fully managed through a smartphone app, and (ii) "Conta do Nubank", 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 ("PIX"), 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><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 "Conta do Nubank", directly in the app. In addition, Nu Financeira issues the Bank Deposit Receipt (RDB), with daily liquidity and with a defined future maturity date and offered to the Company's customers through the "Conta do Nubank". Nu Financeira also grants credit to Nu Pagamentos credit card holders, due to overdue invoices, bill installments and revolving credit.</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><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><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 executes 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><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, payment transfers through a prepaid account and offers customers in México the possibility to obtain loans, in addition to offering "Cuenta Nu", a 100% digital account. It commenced operations in the Mexican market in November 2022 and officially launched in December 2022.</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><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").</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.</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 19, 2024.</p> <p style="font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">a) Level III BDRs Program discontinuation</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">On June 28, 2023 the Securities and Exchange Commission of Brazil ("CVM") Collegiate approved the plan for the discontinuance of the Company's Level III BDRs Program and the cancellation of the Company's registration with the CVM as a foreign public issuer of category "A" securities. The Definition Period for Level III BDRs holders to make their choices among the possible alternatives within the scope of the discontinuity plan was closed on August 11, 2023, and the sale of the Class A Common Shares underlying the BDRs that were held by the holders of the BDRs that, within the scope of the Level III BDRs Program Discontinuance plan, were directed to the Sale Procedures, ended on August 21, 2023.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">On September 22, 2023 the Company submitted a request to CVM to cancel the registration of the Level III BDRs Program and, consequently, to cancel Company's registry as a foreign issuer before CVM. On October 31, 2023 the cancellation was approved by CVM.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) Nucoin</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In February of 2023, Nu commenced the distribution of Nucoin, the native blockchain token issued by the Company, designed to support a loyalty network known as the "Nucoin Network'' between Nu and its customers. The long-term objective for Nu is to onboard other sponsoring companies, referred to as "Sponsors", who commit to adopting Nucoin as their loyalty program. These Sponsors will be entitled to a certain number of Nucoins to distribute to their own customer base and will be required to provide incentives and benefits to Nucoin holders, thereby fostering network adoption and enhancing the utility of Nucoin within its communities.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2023, in addition to the provision for customer crypto safeguard asset and liability from SAB 121, as shown in note 34, the Group had a liability of US$<span id="xdx_903_eifrs-full--LiabilitiesDueToCentralBanks_iI_pn3n3_c20231231_zA04YtfjlMii" title="Liability due">9,271</span> due its commitment to the liquidity pool pertaining to Nucoins.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Contingent share award - Termination</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; 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 on that date of US$<span id="xdx_906_ecustom--AwardTerminationExpense_iI_pn3n3_c20221129__ifrs-full--TypesOfSharebasedPaymentArrangementsAxis__custom--ContingentShare2021AwardMember_zXJacYCBixo7" title="Termination expense">355,573</span> due to the acceleration of the vesting. After such one-time recognition, the Company no longer accounted for any expense associated with the 2021 Contingent Share Award. The termination did not impact cash flows and no shares were issued under this CSA. Additional information is disclosed on Note 10b.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">d) License to operate as a financial institution in Colombia</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">Nu Colombia Compañía de Financiamiento S.A ("Nu Colombia Financiamiento") was granted a license to operate as a financial institution in Colombia <span style="font-size: 11.5pt; color: #1D1C1D; line-height: 115%; background-color: white">by the Financial Superintendence of Colombia ("SFC")</span> <span style="background-color: white">which came into effect in January<span style="font-size: 11.5pt; color: #1D1C1D; line-height: 115%">, 2024. </span></span>Nubank plans to introduce "Cuenta Nu" and other products in Colombia.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">e) 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_90B_eifrs-full--NumberOfSharesIssued_iI_pip0_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__ifrs-full--SignificantInvestmentsInSubsidiariesAxis__custom--BrazilianDepositaryReceiptsMember_zBaQYo3Phxrj" 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_909_ecustom--PerShares1_iI_pip0_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zAnJXUWHuHPf" title="Per shares value">9.00</span>, which was equivalent to R$<span id="xdx_90E_ecustom--PerShares1_iI_pip0_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__ifrs-full--SignificantInvestmentsInSubsidiariesAxis__custom--BrazilianDepositaryReceiptsMember_zoxBREQWwwaj" 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_c20230101__20231231_zKGyO7KQ60q5" 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$<span id="xdx_906_eifrs-full--NumberOfSharesIssued_iI_pip0_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zFhpLUlr48nk" title="Number of shares issed">2,602,026</span>. Additionally, the Company incurred US$<span id="xdx_90E_ecustom--OtherOfferingExpenses_iI_pn3n3_c20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_z8rWSkED9Dw4" title="Offering cost">61,717</span> in offering expenses, of which US$<span id="xdx_904_ecustom--TransactionCosts_pn3n3_c20211207__20211209__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zlmAXXZVosk4" title="Transaction costs">47,545</span> were recognized in equity as transaction costs.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">In January 2022, Nubank issued <span id="xdx_90C_eifrs-full--NumberOfSharesIssued_iI_pip0_c20220131__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember_zuGDx9uLjyec" title="Shares issued">27,555,298</span> ordinary class A shares and raised proceeds of US$<span id="xdx_906_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20220101__20220131__custom--SaleOfStockAxis__custom--InitialPublicOfferingMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zndHH1YDeyM5" 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.</p> | |
| CY2023Q4 | ifrs-full |
Liabilities Due To Central Banks
LiabilitiesDueToCentralBanks
|
9271000 | usd |
| CY2023 | 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. | |
| CY2023 | ifrs-full |
Statement Of Ifrs Compliance
StatementOfIFRSCompliance
|
<p id="xdx_805_eifrs-full--StatementOfIFRSCompliance_z8gNQd2ZyiU2" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">2. <span id="xdx_82A_z0vUP3SU5yoe">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: 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; 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><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 expenses (income)” 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><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><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><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><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><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 2023</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 period 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><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><td style="width: 0.25in">●</td><td style="text-align: justify">Definition of Accounting Estimates (Amendments to IAS 8); 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><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).</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 issued but 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><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 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">Management does not expect the adoption of the amendments described above to have a significant impact, other than additional disclosures, on the consolidated financial statements.</p> | |
| CY2023 | ifrs-full |
Disclosure Of Basis Of Consolidation Explanatory
DisclosureOfBasisOfConsolidationExplanatory
|
<p id="xdx_80F_eifrs-full--DisclosureOfBasisOfConsolidationExplanatory_zZ1hh4jnVTIc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">3. <span id="xdx_826_zNMV1UeFspr8">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.</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> <table cellpadding="0" cellspacing="0" id="xdx_880_eifrs-full--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory_pn3n3_zw3eeWFqnZog" 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_8B4_zuPQ4t06lTb3" style="display: none">Schedule of 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> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: left"><span style="font-size: 8pt"><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: 8pt"><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: 8pt"><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: 10%; text-align: center"><span style="font-size: 8pt"><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: 8%; text-align: center"><span style="font-size: 8pt"><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: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</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: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 25%; text-align: left"><span style="font-size: 8pt">Nu Pagamentos S.A. - Instituição de Pagamentos (“Nu Pagamentos”)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 6%; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z8EjqTglLV26" title="Control">Indirect</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 19%; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zIMO5hBjVrx6" title="Principal activities">Credit card and prepaid account operations</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><span id="xdx_907_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zxTF5rWHGPOg" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zmP9TcpjgvB5" title="Country of incorporation of subsidiary">Brazil</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zg6zYDREStql" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 9%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zJGM0GIqBIhk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: right"><span style="font-size: 8pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zrsr0VIKnNuc" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Financeira S.A. – SCFI (“Nu Financeira”)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90A_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zhrjU59swnZc" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zJU07t5LzGsd" title="Principal activities">Loan operations</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zyp4RypCQIT1" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90B_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zZC7NAuwgwv9" title="Country of incorporation of subsidiary">Brazil</span></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_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_z8eJky36kAV8" 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: 8pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zUrvDCoPYTUd" 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: 8pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_za2czZV7JQV2" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Distribuidora de Titulos e Valores Mobiliarios Ltda. ("Nu DTVM")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_909_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zoZ4kZGnUOx1" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zWG2cHCv8Gze" title="Principal activities">Securities distribution</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zW5Iq6pDtgyk" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zKE3mvzsijbc" title="Country of incorporation of subsidiary">Brazil</span></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_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zPmPDdR87P67" 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: 8pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zMgoGyErDzRd" 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: 8pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zPHHuUL6Pdbj" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Invest Corretora de Valores S.A ("Nu Invest")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z1X6bKxu4d9a" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z8sjKw7oVUtf" title="Principal activities">Investment platform</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_908_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zKSC47fXt6pc" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90B_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zhhp2ecnN5Nh" title="Country of incorporation of subsidiary">Brazil</span></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_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zvszNv8OMY5d" 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: 8pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zOGA4qHnSQO9" 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: 8pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z4fK7vwSMvKg" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Pay for Business Instituição de Pagamentos Ltda. ("Nu Pay")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z60z9L4rUJvf" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z4u601VRpZKh" title="Principal activities">Payment hub</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_906_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zvA388O6jHyb" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zXlE46fBUb5i" title="Country of incorporation of subsidiary">Brazil</span></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_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z5zDCPkW7Hs8" 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: 8pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zJSmsosm8bJe" 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: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zZVyyr1E2Wzh" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z6UJ8tVre8O4" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zvziHSvXtsS" title="Principal activities">Multiple purpose financial company</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90E_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zfz41U0wDDAg" title="Functional currency">MXN</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z8ubkalum1bl" title="Country of incorporation of subsidiary">Mexico</span></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_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z6OjVtMXpnZ7" 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: 8pt"><span id="xdx_902_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zNtoO794h3W8" 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: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zMmn1wAIBDF2" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Colombia S.A. (“Nu Colombia”)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zBuFsVzoycS6" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zNvYuvcbugYe" title="Principal activities">Credit card operations</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zbYKeB9oqUZ5" title="Functional currency">COP</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_z5xuWtHsKNM" title="Country of incorporation of subsidiary">Colombia</span></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_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zIXDzFddq0vi" 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: 8pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zHGIZa7HqZi6" 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: 8pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zCcc3YrUmGA1" title="% equity interest">100</span>%</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In addition, the Company consolidated the following investment fund for December 31, 2023 and 2022, 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_880_ecustom--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1_zGpHBPh3psv3" 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-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"><span id="xdx_8B8_z7ggVrwLGMPb" style="display: none">Schedule of investment fund</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 80%; 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; vertical-align: top; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Country</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember_z0Tk5hLx3VBk" title="Name of the entity">Fundo de Investimento Ostrum Soberano Renda Fixa Referenciado DI (“Fundo Ostrum”)</span></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember_zP0jncLSpHK5" title="Country of incorporation of subsidiary">Brazil</span></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Nu Pagamentos, Nu Financeira, Nu DTVM, Nu Invest and Nu Pay, Brazilian subsidiaries, are regulated by Central Bank of Brazil (“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 Banking and Stock Commission (“CNBV”); Nu Colombia and Nu Colombia Financiamento, Colombian subsidiaries, are regulated by Industry and Commerce Superintendency and by Financial Superintendence of Colombia ("SFC"); 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> | |
| CY2023 | ifrs-full |
Disclosure Of Significant Investments In Subsidiaries Explanatory
DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_880_eifrs-full--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory_pn3n3_zw3eeWFqnZog" 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_8B4_zuPQ4t06lTb3" style="display: none">Schedule of 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> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 25%; text-align: left"><span style="font-size: 8pt"><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: 8pt"><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: 8pt"><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: 10%; text-align: center"><span style="font-size: 8pt"><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: 8%; text-align: center"><span style="font-size: 8pt"><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: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</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: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 25%; text-align: left"><span style="font-size: 8pt">Nu Pagamentos S.A. - Instituição de Pagamentos (“Nu Pagamentos”)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 6%; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_z8EjqTglLV26" title="Control">Indirect</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 19%; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zIMO5hBjVrx6" title="Principal activities">Credit card and prepaid account operations</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><span id="xdx_907_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zxTF5rWHGPOg" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zmP9TcpjgvB5" title="Country of incorporation of subsidiary">Brazil</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zg6zYDREStql" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 9%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zJGM0GIqBIhk" title="% equity interest">100</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 8%; text-align: right"><span style="font-size: 8pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPagamentosSAInstituicaoDePagamentosMember_zrsr0VIKnNuc" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Financeira S.A. – SCFI (“Nu Financeira”)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90A_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zhrjU59swnZc" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zJU07t5LzGsd" title="Principal activities">Loan operations</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zyp4RypCQIT1" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90B_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zZC7NAuwgwv9" title="Country of incorporation of subsidiary">Brazil</span></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_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_z8eJky36kAV8" 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: 8pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_zUrvDCoPYTUd" 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: 8pt"><span id="xdx_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuFinanceiraSASCFIMember_za2czZV7JQV2" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Distribuidora de Titulos e Valores Mobiliarios Ltda. ("Nu DTVM")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_909_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zoZ4kZGnUOx1" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zWG2cHCv8Gze" title="Principal activities">Securities distribution</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zW5Iq6pDtgyk" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zKE3mvzsijbc" title="Country of incorporation of subsidiary">Brazil</span></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_901_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zPmPDdR87P67" 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: 8pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zMgoGyErDzRd" 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: 8pt"><span id="xdx_907_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuDistribuidoraDeTitulosEValoresMobiliariosLtdaNuDTVMMember_zPHHuUL6Pdbj" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Invest Corretora de Valores S.A ("Nu Invest")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z1X6bKxu4d9a" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z8sjKw7oVUtf" title="Principal activities">Investment platform</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_908_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zKSC47fXt6pc" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90B_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zhhp2ecnN5Nh" title="Country of incorporation of subsidiary">Brazil</span></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_90E_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zvszNv8OMY5d" 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: 8pt"><span id="xdx_903_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_zOGA4qHnSQO9" 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: 8pt"><span id="xdx_90F_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuInvestCorretoraDeValoresSAMember_z4fK7vwSMvKg" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Pay for Business Instituição de Pagamentos Ltda. ("Nu Pay")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z60z9L4rUJvf" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z4u601VRpZKh" title="Principal activities">Payment hub</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_906_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zvA388O6jHyb" title="Functional currency">BRL</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_900_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zXlE46fBUb5i" title="Country of incorporation of subsidiary">Brazil</span></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_90C_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_z5zDCPkW7Hs8" 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: 8pt"><span id="xdx_904_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zJSmsosm8bJe" 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: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuPayForBusinessInstituicaoDePagamentosLtda.Member_zZVyyr1E2Wzh" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu México Financiera, S.A. de C.V., S.F.P. ("Nu Financiera")</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z6UJ8tVre8O4" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zvziHSvXtsS" title="Principal activities">Multiple purpose financial company</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90E_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zfz41U0wDDAg" title="Functional currency">MXN</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z8ubkalum1bl" title="Country of incorporation of subsidiary">Mexico</span></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_908_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_z6OjVtMXpnZ7" 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: 8pt"><span id="xdx_902_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zNtoO794h3W8" 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: 8pt"><span id="xdx_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuMexicoFinancieraSADeCVSFPNuFinancieraMember_zMmn1wAIBDF2" title="% equity interest">100</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Colombia S.A. (“Nu Colombia”)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--Control_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zBuFsVzoycS6" title="Control">Indirect</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--PrincipalActivities_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zNvYuvcbugYe" title="Principal activities">Credit card operations</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--FunctionalCurrency_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zbYKeB9oqUZ5" title="Functional currency">COP</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><span id="xdx_904_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_z5xuWtHsKNM" title="Country of incorporation of subsidiary">Colombia</span></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_90D_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zIXDzFddq0vi" 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: 8pt"><span id="xdx_909_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zHGIZa7HqZi6" 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: 8pt"><span id="xdx_905_eifrs-full--ProportionOfOwnershipInterestInSubsidiary_pip0_dp_c20210101__20211231__dei--LegalEntityAxis__custom--NuColombiaSANuColombiMember_zCcc3YrUmGA1" title="% equity interest">100</span>%</span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Significant Investments In Subsidiaries Explanatory1
DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1
|
<table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory1_zGpHBPh3psv3" 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-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"><span id="xdx_8B8_z7ggVrwLGMPb" style="display: none">Schedule of investment fund</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="background-color: white"> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 80%; 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; vertical-align: top; width: 2%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 18%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Country</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_eifrs-full--NameOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember_z0Tk5hLx3VBk" title="Name of the entity">Fundo de Investimento Ostrum Soberano Renda Fixa Referenciado DI (“Fundo Ostrum”)</span></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_eifrs-full--CountryOfIncorporationOrResidenceOfSubsidiary_c20230101__20231231__dei--LegalEntityAxis__custom--FundoDeInvestimentoOstrumSoberanoRendaFixaReferenciadoDIMember_zP0jncLSpHK5" title="Country of incorporation of subsidiary">Brazil</span></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Summary Of Significant Accounting Policies Explanatory
DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory
|
<p id="xdx_80B_ecustom--DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory_zPrU2EnqnwW4" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">4. <span id="xdx_82D_zHhaWqbs3d96">Material 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_843_eifrs-full--DisclosureOfReclassificationOfFinancialInstrumentsExplanatory_zGdoZIOlnFX1" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>a)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_866_zguPsRr6y4O8">Financial instruments</span></b></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.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">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><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><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><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><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><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><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 Group'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><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><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><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><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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Compulsory and other 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><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><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><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><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><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><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>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><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><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><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><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><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><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><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><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><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><td style="width: 0.25in">(i)</td><td style="text-align: justify">absolute criteria: the financial asset is more than 30 (thirty) days but less 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><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><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><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 assess 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">In turn, 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: 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 with 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 occur. The weighting is reviewed whenever there is a substantial change in the economic environment that causes the macroeconomics outlooks’ expectation to be revised.</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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Probability of default (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, the 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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Exposure at default (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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Loss given default (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><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><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><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: 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>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 taken 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 Company 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/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 its 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, administrative expenses and intercompany expenses.</p> <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 item and on the hedge instrument market value. For the retrospective test, the market-to-market value change since the inception of the hedged item 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_84B_eifrs-full--DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_zYsWArrSAdU6" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">b)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zCKTNVcIRrbd">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><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> <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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="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.</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><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, 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 28.</p> <p id="xdx_84E_eifrs-full--DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory_zSztkKtuD4Rg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">c)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_867_z2P2M5YNbppi">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 Group 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 Group 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 Group 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 id="xdx_849_ecustom--DescriptionOfRevenueRecognitionCostsExplanatory_zzMBo2P36HD8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">d)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_zdGFLGb20Kdc">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/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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><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><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><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_849_eifrs-full--DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents_zajKXySOD6Fb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">e)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_864_zDAVMpWui25f">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_84F_ecustom--DisclosureOfCreditCardReceivablesExplanatory_ztLKmXXLnCJ4" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">f)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_868_z9mUuIy7neU3">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 Group is responsible for on the referred network.</p> <p id="xdx_84D_ecustom--DisclosureOfLoansToCustomersExplanatory_zbJYPA4g1xB8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">g)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86D_zzHt2zjvbnCd">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 unsecured and secured lending products. 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_ecustom--CompulsoryAndOtherDepositsAtCentralBanksPolicyTextBlock_zyH0fqEW1C9e" 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_860_zWouQvzoz5q9">Compulsory and other deposits at central banks</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">Compulsory deposits and reserves are the amount required by the Central Bank of Brazil (BACEN) based on the amount of Bank certificate of deposit (CDB) and Bank Receipt of Deposits (RDB) held by Nu or to support instant payments operations (PIX).</span></p> <p id="xdx_844_eifrs-full--DescriptionOfAccountingPolicyForLeasesExplanatory_ziEz8AomiAJ8" 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_zra1VoVAHGAe">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><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><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><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">The Group recognizes lease liabilities as those which correspond to the total future payment at present value of the future lease payments with a discounted rate and a right-of-use assets, measured initially at cost value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Subsequently, the asset is reduced by the accumulated depreciation and any impairment losses or re-measurement, when applicable. The liability is reduced by the payments made and by the interest on the payment flows.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The accumulated depreciation and impairment losses are classified as "General and administrative expenses" in the consolidated statement of profit or loss.</p> <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">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_841_eifrs-full--DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_zUP4TY7nzEl2" 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_866_zNoc3Le2djuc">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 property, plant, and equipment 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 annually evaluated for impairment, or whenever events or changes in circumstances indicate the existence of an impairment.</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 related to the development of new features and/or products, 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 reasonably 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 <span style="font-family: Roboto">property,</span> plant, and equipment and intangible assets items are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--ScheduleOfEstimatedUsefulLivesTableTextBlock_zBBp3XGnuS4b" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Material accounting policies (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B4_zm1sbKklxrd3" style="display: none">Schedule of useful life of property and equipment 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: 65%; 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: 21%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--FixturesAndFittingsMember_zUDlvbTNkMW3" 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_90F_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--ComputerEquipmentMember_z3OelxcrAEDe" 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 and internally developed assets</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_908_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--SoftwareAndInternallyDevelopedAssetsMember_zdwuNJPXOah9" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> </table> <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_84F_eifrs-full--DisclosureOfGoodwillExplanatory_zhJRxiaZwV5g" 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_867_zxVBzFbFE4v2">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 Group 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">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_z8aeesWspAV9" 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_867_zBKo0en2O7La">Impairment of non-financial assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Annually, 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 and intangible assets 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 and intangible assets recoverable amount. The carrying amount of the property, plant and equipment and intangible assets will only be increased up to the amount that would have been had the original impairment not been recognized.</p> <p id="xdx_845_ecustom--DisclosureOfOtherAssetsOnePolicyTextBlock_zLgSITtAoJrl" 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_86C_zltL2TCINV9">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, such 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_84D_eifrs-full--DisclosureOfDepositsFromBanksExplanatory_zumVVbLcYiVa" 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_86A_zaKn0uCEjU04">Deposits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Corresponds to 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><td style="width: 0.25in">(i)</td><td style="text-align: justify">“Conta do Nubank”;</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><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><td style="width: 0.25in">(iii)</td><td style="text-align: justify">Time 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: 0.5in"></td><td style="width: 0.25in">(iv)</td><td style="text-align: justify">Bank certificate of deposit (CDB); 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><td style="width: 0.25in">(v)</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_84F_ecustom--DisclosureOfPayablesToNetworkExplanatory_zirwR8EYGiii" 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_868_zLQf0VgYBKA3">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_844_ecustom--DisclosureOfDepositsFromBanksPolicytextBlock_zlKSX4hla40c" 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_86B_zDuJlTdYNBu1">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_849_eifrs-full--DisclosureOfDeferredIncomeExplanatory_zYtOZPhR2Eqj" 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_868_zCvm5lYKInye">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 program 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 or monthly by customers until they are earned by the Group 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_84D_ecustom--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock_zTYqMlX4yDoc" 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_86E_zhUlaOu1Mjke">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 discloses 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_844_eifrs-full--DisclosureOfGeneralAndAdministrativeExpenseExplanatory_zSCVXeuI8xKk" 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_86E_zP8sAfTGrumf">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><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><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><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 judicial deposits is adjusted in accordance with current legislation and recognized in the other assets.</p> <p id="xdx_849_eifrs-full--DisclosureOfOtherNoncurrentLiabilitiesExplanatory_zYpF7ThDEHn1" 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_868_zM9YGtCzCov6">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_84C_eifrs-full--DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_ziKOtQeMv8ob" 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_864_zPw5llUovWGg">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_847_ecustom--SharebasedPaymentsPolicyExplanatory_zDEq4mu0KACi" 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_868_zVT2GREmieP4">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 Initial Public Offering ("IPO") that took place in December 2021, 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_84A_eifrs-full--DisclosureOfEmployeeBenefitsExplanatory_zwVexwvVWpCi" 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_868_zgt8HdVYGVXa">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_848_eifrs-full--DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory_zT6mPXSc2hK5" 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_868_zlLjubFzZ7yj">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_884_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_z391Q5bZxAz1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Material accounting policies (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_zYzNm9ULsBc4" style="display: none">Schedule of income tax</span> </td> <td 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></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2023)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2022)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_908_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zt7ACpG0pwyk" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zahuYk9Yyyyc" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_902_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zZOabkLChiBf" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z5H8VV4yZXH7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--CSLLMember_ze794MnfwiE2" title="Applicable tax rate">15</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_909_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z1aeQVC0GJ1a" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_901_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z3cM7mYYpqaa" title="Surcharge">16</span>% between August and December/2022</span></td></tr> </table> <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><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><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_840_eifrs-full--EarningsPerShareExplanatory_zKw8wgSHrwRf" 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_863_zQOfegb2h696">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, which excludes 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 potentially dilutive ordinary shares, and the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all potentially dilutive ordinary shares.</p> <p id="xdx_840_ecustom--CustomerCryptoSafeguardingPolicy_zo4eNrHzU4ab" 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_86A_zZk5LKxrATn9">Customer crypto safeguarding</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">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. Assets and liabilities have the same carrying amount and do not impact the statements of profit or loss, unless there are losses related to the safeguarding activity. The Group has not been recognizing any losses.</p> | |
| CY2023 | ifrs-full |
Disclosure Of Reclassification Of Financial Instruments Explanatory
DisclosureOfReclassificationOfFinancialInstrumentsExplanatory
|
<p id="xdx_843_eifrs-full--DisclosureOfReclassificationOfFinancialInstrumentsExplanatory_zGdoZIOlnFX1" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>a)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_866_zguPsRr6y4O8">Financial instruments</span></b></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.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">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><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><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><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><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><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><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 Group'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><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><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><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><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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Compulsory and other 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><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><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><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><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><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><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>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><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><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><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><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><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><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><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><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><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><td style="width: 0.25in">(i)</td><td style="text-align: justify">absolute criteria: the financial asset is more than 30 (thirty) days but less 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><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><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><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 assess 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">In turn, 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: 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 with 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 occur. The weighting is reviewed whenever there is a substantial change in the economic environment that causes the macroeconomics outlooks’ expectation to be revised.</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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Probability of default (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, the 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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Exposure at default (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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="text-align: justify">Loss given default (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><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><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><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: 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>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 taken 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 Company 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/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 its 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, administrative expenses and intercompany expenses.</p> <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 item and on the hedge instrument market value. For the retrospective test, the market-to-market value change since the inception of the hedged item 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> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy For Fair Value Measurement Explanatory
DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory
|
<p id="xdx_84B_eifrs-full--DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_zYsWArrSAdU6" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">b)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_860_zCKTNVcIRrbd">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><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> <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><td style="width: 0.25in"><span style="font-family: Noto Sans Symbols">●</span></td><td style="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.</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><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, 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 28.</p> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy For Customer Acquisition Costs Explanatory
DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory
|
<p id="xdx_84E_eifrs-full--DescriptionOfAccountingPolicyForCustomerAcquisitionCostsExplanatory_zSztkKtuD4Rg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">c)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_867_z2P2M5YNbppi">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 Group 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 Group 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 Group 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> | |
| CY2023 | nu |
Description Of Revenue Recognition Costs Explanatory
DescriptionOfRevenueRecognitionCostsExplanatory
|
<p id="xdx_849_ecustom--DescriptionOfRevenueRecognitionCostsExplanatory_zzMBo2P36HD8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">d)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_869_zdGFLGb20Kdc">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/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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><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><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><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> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy To Determine Components Of Cash And Cash Equivalents
DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents
|
<p id="xdx_849_eifrs-full--DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents_zajKXySOD6Fb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">e)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_864_zDAVMpWui25f">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> | |
| CY2023 | nu |
Disclosure Of Credit Card Receivables Explanatory
DisclosureOfCreditCardReceivablesExplanatory
|
<p id="xdx_84F_ecustom--DisclosureOfCreditCardReceivablesExplanatory_ztLKmXXLnCJ4" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">f)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_868_z9mUuIy7neU3">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 Group is responsible for on the referred network.</p> | |
| CY2023 | nu |
Disclosure Of Loans To Customers Explanatory
DisclosureOfLoansToCustomersExplanatory
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<p id="xdx_84D_ecustom--DisclosureOfLoansToCustomersExplanatory_zbJYPA4g1xB8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 10pt; margin-right: 0pt; margin-bottom: 10pt; text-align: justify; text-indent: 0in">g)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span><span id="xdx_86D_zzHt2zjvbnCd">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 unsecured and secured lending products. 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> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy For Leases Explanatory
DescriptionOfAccountingPolicyForLeasesExplanatory
|
<p id="xdx_844_eifrs-full--DescriptionOfAccountingPolicyForLeasesExplanatory_ziEz8AomiAJ8" 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_zra1VoVAHGAe">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><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><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><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">The Group recognizes lease liabilities as those which correspond to the total future payment at present value of the future lease payments with a discounted rate and a right-of-use assets, measured initially at cost value.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Subsequently, the asset is reduced by the accumulated depreciation and any impairment losses or re-measurement, when applicable. The liability is reduced by the payments made and by the interest on the payment flows.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The accumulated depreciation and impairment losses are classified as "General and administrative expenses" in the consolidated statement of profit or loss.</p> <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">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> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy For Property Plant And Equipment Explanatory
DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory
|
<p id="xdx_841_eifrs-full--DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_zUP4TY7nzEl2" 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_866_zNoc3Le2djuc">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 property, plant, and equipment 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 annually evaluated for impairment, or whenever events or changes in circumstances indicate the existence of an impairment.</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 related to the development of new features and/or products, 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 reasonably 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 <span style="font-family: Roboto">property,</span> plant, and equipment and intangible assets items are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_888_ecustom--ScheduleOfEstimatedUsefulLivesTableTextBlock_zBBp3XGnuS4b" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Material accounting policies (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B4_zm1sbKklxrd3" style="display: none">Schedule of useful life of property and equipment 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: 65%; 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: 21%; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--FixturesAndFittingsMember_zUDlvbTNkMW3" 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_90F_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__ifrs-full--ComputerEquipmentMember_z3OelxcrAEDe" 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 and internally developed assets</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_908_eifrs-full--UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment_dtY_c20230101__20231231__ifrs-full--ClassesOfPropertyPlantAndEquipmentAxis__custom--SoftwareAndInternallyDevelopedAssetsMember_zdwuNJPXOah9" title="Useful life measured as period of time, property, plant and equipment">5</span> years</span></td></tr> </table> <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> | |
| CY2023 | ifrs-full |
Disclosure Of Goodwill Explanatory
DisclosureOfGoodwillExplanatory
|
<p id="xdx_84F_eifrs-full--DisclosureOfGoodwillExplanatory_zhJRxiaZwV5g" 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_867_zxVBzFbFE4v2">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 Group 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">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> | |
| CY2023 | nu |
Disclosure Of Other Provisions Contingent Liabilities And Contingent Assets Policytext Block
DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock
|
<p id="xdx_84D_ecustom--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsPolicytextBlock_zTYqMlX4yDoc" 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_86E_zhUlaOu1Mjke">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 discloses 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> | |
| CY2023 | nu |
Impairment Of Nonfinancial Assets Policy Explanatory
ImpairmentOfNonfinancialAssetsPolicyExplanatory
|
<p id="xdx_849_ecustom--ImpairmentOfNonfinancialAssetsPolicyExplanatory_z8aeesWspAV9" 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_867_zBKo0en2O7La">Impairment of non-financial assets</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Annually, 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 and intangible assets 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 and intangible assets recoverable amount. The carrying amount of the property, plant and equipment and intangible assets will only be increased up to the amount that would have been had the original impairment not been recognized.</p> | |
| CY2023 | ifrs-full |
Disclosure Of Deposits From Banks Explanatory
DisclosureOfDepositsFromBanksExplanatory
|
<p id="xdx_84D_eifrs-full--DisclosureOfDepositsFromBanksExplanatory_zumVVbLcYiVa" 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_86A_zaKn0uCEjU04">Deposits</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Corresponds to 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><td style="width: 0.25in">(i)</td><td style="text-align: justify">“Conta do Nubank”;</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><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><td style="width: 0.25in">(iii)</td><td style="text-align: justify">Time 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: 0.5in"></td><td style="width: 0.25in">(iv)</td><td style="text-align: justify">Bank certificate of deposit (CDB); 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><td style="width: 0.25in">(v)</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> | |
| CY2023 | nu |
Disclosure Of Payables To Network Explanatory
DisclosureOfPayablesToNetworkExplanatory
|
<p id="xdx_84F_ecustom--DisclosureOfPayablesToNetworkExplanatory_zirwR8EYGiii" 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_868_zLQf0VgYBKA3">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> | |
| CY2023 | nu |
Disclosure Of Deposits From Banks Policytext Block
DisclosureOfDepositsFromBanksPolicytextBlock
|
<p id="xdx_844_ecustom--DisclosureOfDepositsFromBanksPolicytextBlock_zlKSX4hla40c" 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_86B_zDuJlTdYNBu1">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> | |
| CY2023 | ifrs-full |
Disclosure Of Deferred Income Explanatory
DisclosureOfDeferredIncomeExplanatory
|
<p id="xdx_849_eifrs-full--DisclosureOfDeferredIncomeExplanatory_zYtOZPhR2Eqj" 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_868_zCvm5lYKInye">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 program 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 or monthly by customers until they are earned by the Group 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> | |
| CY2023 | ifrs-full |
Disclosure Of General And Administrative Expense Explanatory
DisclosureOfGeneralAndAdministrativeExpenseExplanatory
|
<p id="xdx_844_eifrs-full--DisclosureOfGeneralAndAdministrativeExpenseExplanatory_zSCVXeuI8xKk" 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_86E_zP8sAfTGrumf">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><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><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><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 judicial deposits is adjusted in accordance with current legislation and recognized in the other assets.</p> | |
| CY2023 | ifrs-full |
Disclosure Of Other Noncurrent Liabilities Explanatory
DisclosureOfOtherNoncurrentLiabilitiesExplanatory
|
<p id="xdx_849_eifrs-full--DisclosureOfOtherNoncurrentLiabilitiesExplanatory_zYpF7ThDEHn1" 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_868_zM9YGtCzCov6">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> | |
| CY2023 | ifrs-full |
Disclosure Of Share Capital Reserves And Other Equity Interest Explanatory
DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory
|
<p id="xdx_84C_eifrs-full--DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_ziKOtQeMv8ob" 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_864_zPw5llUovWGg">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> | |
| CY2023 | nu |
Sharebased Payments Policy Explanatory
SharebasedPaymentsPolicyExplanatory
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<p id="xdx_847_ecustom--SharebasedPaymentsPolicyExplanatory_zDEq4mu0KACi" 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_868_zVT2GREmieP4">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 Initial Public Offering ("IPO") that took place in December 2021, 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> | |
| CY2023 | ifrs-full |
Disclosure Of Employee Benefits Explanatory
DisclosureOfEmployeeBenefitsExplanatory
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<p id="xdx_84A_eifrs-full--DisclosureOfEmployeeBenefitsExplanatory_zwVexwvVWpCi" 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_868_zgt8HdVYGVXa">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> | |
| CY2023 | ifrs-full |
Description Of Accounting Policy For Deferred Income Tax Explanatory
DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory
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<p id="xdx_848_eifrs-full--DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory_zT6mPXSc2hK5" 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_868_zlLjubFzZ7yj">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_884_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_z391Q5bZxAz1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Material accounting policies (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_zYzNm9ULsBc4" style="display: none">Schedule of income tax</span> </td> <td 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></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2023)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2022)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_908_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zt7ACpG0pwyk" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zahuYk9Yyyyc" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_902_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zZOabkLChiBf" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z5H8VV4yZXH7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--CSLLMember_ze794MnfwiE2" title="Applicable tax rate">15</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_909_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z1aeQVC0GJ1a" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_901_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z3cM7mYYpqaa" title="Surcharge">16</span>% between August and December/2022</span></td></tr> </table> <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><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><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> | |
| CY2023 | nu |
Disclosure Of Significant Subsidiaries Operate Income Tax Explanatory
DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory
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<table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--DisclosureOfSignificantSubsidiariesOperateIncomeTaxExplanatory_z391Q5bZxAz1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Material accounting policies (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_zYzNm9ULsBc4" style="display: none">Schedule of income tax</span> </td> <td 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></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 45%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Tax</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 28%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2023)</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 27%; text-align: center; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><b>Rate (2022)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Income tax - IRPJ</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_908_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zt7ACpG0pwyk" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--IPRJMember_zahuYk9Yyyyc" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_902_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_zZOabkLChiBf" title="Applicable tax rate">15</span>% plus a surcharge of <span id="xdx_90E_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--IPRJMember_z5H8VV4yZXH7" title="Surcharge">10</span>% on taxable income exceeding R$240 thousand per year</span></td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%">Social contribution - CSLL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_90C_eifrs-full--ApplicableTaxRate_pip0_dp_c20230101__20231231__custom--TaxAuthorityAxis__custom--CSLLMember_ze794MnfwiE2" title="Applicable tax rate">15</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 9pt; line-height: 115%"><span id="xdx_909_eifrs-full--ApplicableTaxRate_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z1aeQVC0GJ1a" title="Applicable tax rate">15</span>% until July/2022 and <span id="xdx_901_ecustom--ApplicableTaxRate1_pip0_dp_c20220101__20221231__custom--TaxAuthorityAxis__custom--CSLLMember_z3cM7mYYpqaa" title="Surcharge">16</span>% between August and December/2022</span></td></tr> </table> | |
| CY2023 | ifrs-full |
Earnings Per Share Explanatory
EarningsPerShareExplanatory
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<p id="xdx_840_eifrs-full--EarningsPerShareExplanatory_zKw8wgSHrwRf" 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_863_zQOfegb2h696">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, which excludes 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 potentially dilutive ordinary shares, and the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all potentially dilutive ordinary shares.</p> | |
| CY2023 | nu |
Significant Accounting Estimates And Assumptions Explanatory
SignificantAccountingEstimatesAndAssumptionsExplanatory
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<p id="xdx_800_ecustom--SignificantAccountingEstimatesAndAssumptionsExplanatory_zoIZ2CUGlLni" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">5. <span id="xdx_823_zkfa0FCViWY6">Significant accounting judgments, estimates and assumptions</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i>Use of estimates and judgments</i></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> <table cellpadding="0" cellspacing="0" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt"><i>a)</i></td><td style="text-align: justify"><i>Credit losses on financial instruments for credit card receivables and loans to customers</i></td></tr></table> <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, 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: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><i>Key areas of judgment</i></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><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><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><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><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><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: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><i>Sensitivity analysis</i></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">On December 31, 2023, the probability weighted ECL allowance for credit card and lending totaled US$<span id="xdx_904_ecustom--Total1_pn3n3_c20231231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_zLxFWqDLzkHa" title="ECL allowance total">2,608,403</span> of which US$<span id="xdx_901_ecustom--CreditCard_pn3n3_c20230101__20231231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_zrOtFf3yQWQe" title="Credit card operations">2,096,269</span> related to credit card operations and US$<span id="xdx_904_ecustom--PersonalLoan_pn3n3_c20230101__20231231__ifrs-full--CharacteristicsOfDefinedBenefitPlansAxis__custom--TotalECLMember_zo6umdfh2yue" title="Loans">512,134</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 carrying amount of the credit loss allowance is determined based on the weighted average of these scenarios. The table below illustrates the ECL that would have arisen if management had applied the weighted average of these three macroeconomic scenarios and a 100% weighting to each macroeconomic scenario.</p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfForecastTableTextBlock_zxLQl866JDB4" 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-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_zhgxJuIOzWCg" style="display: none">Schedule of sensitivity analysis</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: center; 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: center; 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: center; 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: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; 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>Weighted average</b></span></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>Upside</b></span></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>Base case</b></span></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>Downside</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></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%">Credit card and lending ECL</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditCardAndLendingECL_pn3n3_c20230101__20231231__ifrs-full--RiskExposuresAxis__custom--WeightedMember_zcmleUMNNQXl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card and lending ECL"><span style="font-size: 8pt; line-height: 115%">2,608,403</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditCardAndLendingECL_pn3n3_c20230101__20231231__ifrs-full--RiskExposuresAxis__custom--UpsideMember_zu3XxZwFqkOl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card and lending ECL"><span style="font-size: 8pt; line-height: 115%">2,446,692</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditCardAndLendingECL_pn3n3_c20230101__20231231__ifrs-full--RiskExposuresAxis__custom--BaseCaseMember_zliCEZGeZIKk" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card and lending ECL"><span style="font-size: 8pt; line-height: 115%">2,590,188</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--CreditCardAndLendingECL_pn3n3_c20230101__20231231__ifrs-full--RiskExposuresAxis__custom--DownsideMember_zsRIuVNhwc2j" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit card and lending ECL"><span style="font-size: 8pt; line-height: 115%">2,851,959</span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">b) 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>Key areas of judgment</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.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has made assumptions to determine the forfeiture rate which pertains to the estimated portion of share-based payment awards that will ultimately be forfeited or canceled due to employees leaving the company before the completion of the vesting period.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The determination of the forfeiture rate involves judgment based on various factors, including historical employee turnover rates, external economic and industry-specific factors. However, estimating the forfeiture rate is inherently uncertain and subject to risks and uncertainties beyond our control.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: left">c) 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, goodwill was allocated to the investment activities cash-generating unit ("CGU"). Impairment tests were performed on September 30, 2023 and no adjustment to the recoverable amount for the goodwill was recorded since the recoverable amounts of 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">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>Key areas of judgment</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 the Investments activities CGU 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 September 30, 2023. The carrying amount and main assumptions used in determining the recoverable amounts are:</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory_zGDvpwVT2Hub" 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_8BD_ztLa7KOvi546" style="display: none">Schedule of estimated recoverable amount</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>(US$ million)</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</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(US$ million)</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%">Investments activities CGU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--RecoverableAmountOfAssetsOrCashgeneratingUnit_iI_pn5n6_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zt6LvO8YQk8h" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">528.2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GoodwillCGU_iI_pn5n6_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zFSSuRVUnKC" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381.2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DescriptionOfDiscountRatesUsedInCurrentEstimateOfValueInUse_iI_pip0_dp_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zpVz6j8uZOI1" style="padding: 2pt; text-align: right; line-height: 115%" title="Discount rate"><span style="font-size: 8pt; line-height: 115%">15.4</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_iI_pip0_dp_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_z6ZZN6ZasnC9" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">3.5</span></td></tr> </table> <p 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">d) 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 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">e) 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 28.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">f) Blockchain token accounting</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Currently, there is no specific guidance provided by IFRS or any alternative accounting framework regarding the accounting treatment of the internally generated blockchain token issued by the Company ("Nucoin Network") associated with a liquidity pool and loyalty network. Consequently, Management has had to exercise significant judgment in determining the appropriate accounting treatment.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Exercise of judgment was relevant in applying the accounting framework to token issuance to customers and their sales and acquisitions from the liquidity pool, taking into account the Company's limited commitment to support the liquidity pool and to evaluate present and/or constructive obligations. Additionally, judgment was crucial in determining when to recognize a performance obligation due to the delivery and stacking of tokens to customers and assessing the valuation of the obligation.</p> | |
| CY2023 | nu |
Disclosure Of Carrying Amount And Main Assumptions Used Explanatory
DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--DisclosureOfCarryingAmountAndMainAssumptionsUsedExplanatory_zGDvpwVT2Hub" 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_8BD_ztLa7KOvi546" style="display: none">Schedule of estimated recoverable amount</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>(US$ million)</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</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>(US$ million)</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%">Investments activities CGU</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--RecoverableAmountOfAssetsOrCashgeneratingUnit_iI_pn5n6_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zt6LvO8YQk8h" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">528.2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GoodwillCGU_iI_pn5n6_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zFSSuRVUnKC" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381.2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--DescriptionOfDiscountRatesUsedInCurrentEstimateOfValueInUse_iI_pip0_dp_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_zpVz6j8uZOI1" style="padding: 2pt; text-align: right; line-height: 115%" title="Discount rate"><span style="font-size: 8pt; line-height: 115%">15.4</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_iI_pip0_dp_c20231231__ifrs-full--IndividualAssetsOrCashgeneratingUnitsAxis__custom--CGUMember_z6ZZN6ZasnC9" style="padding: 2pt; text-align: right; line-height: 115%" title="Carrying amount"><span style="font-size: 8pt; line-height: 115%">3.5</span></td></tr> </table> | |
| CY2023 | ifrs-full |
Disclosure Of Fee And Commission Income Expense Explanatory
DisclosureOfFeeAndCommissionIncomeExpenseExplanatory
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<p id="xdx_80D_eifrs-full--DisclosureOfFeeAndCommissionIncomeExpenseExplanatory_zNlqrmKiZZ3e" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">6. <span id="xdx_82E_zJo1E9aJgAVa">Income and related expenses</span></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_883_eifrs-full--DisclosureOfInterestIncomeExpenseExplanatory_pn3n3_zMtsqfxA1BPb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zMuNU0zDyOC5" style="display: none">Schedule of interest income and gains (losses) on financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20230101__20231231_zYwnuYkE5DEc" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_z8fY8DwZTs36" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_49C_20210101__20211231_znsSunvaTGEg" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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: 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_407_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CreditCard1Member_zkQtcv4t4cBd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – credit card</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,521,892</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,014,875</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">357,831</span></td></tr> <tr id="xdx_404_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--ConsumerLoansMember_zl6xlbJzzTta" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – lending</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,650,321</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">932,196</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">292,701</span></td></tr> <tr id="xdx_405_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zROPkFp9oQl9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – other assets at amortized cost</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">851,237</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">388,736</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">66,202</span></td></tr> <tr id="xdx_40F_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--OtherReceivableMember_zJJYugFZPBVh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – other receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">398,536</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">161,004</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17,236</span></td></tr> <tr id="xdx_40E_eifrs-full--GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid_pn3n3_z43jI1GMzuA3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income and gains (losses) on financial instruments at fair value</span></td> <td style="padding: 2pt; text-align: left"> </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">1,017,726</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">1,058,402</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">312,776</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>Financial assets at fair value</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zAX7jZW2Edz6" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>973,029</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zNvEdwMh5eZk" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>1,087,619</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zM01AZFe5Et7" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>309,196</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>Other</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zh0fJT8EcSe4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>44,697</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zPgOgs9veOEd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>(29,217)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zkbVByiuLqu8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>3,580</i></span></td></tr> <tr id="xdx_40E_ecustom--InterestIncomeAndGainsLossesOnFinancialInstruments_pn3n3_zkWH5NWdeh8i" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total interest income and gains (losses) on financial instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </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>6,439,712</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>3,555,213</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,046,746</b></span></td></tr> </table> <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_88E_ecustom--DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory_pn3n3_zWSzcBb5YcKb" 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"> <td style="padding: 2pt; text-align: left"><span id="xdx_8BA_zIWHibyQzz12" style="display: none">Schedule of fee and commission income</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_491_20230101__20231231_zGvEu4bvptkd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20220101__20221231_zyc77KmoLWF3" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20210101__20211231_zVj3Kqa19JD2" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 51%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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></tr> <tr id="xdx_402_ecustom--InterchangerFeeAndCommissionIncome_pn3n3_zFrnsao9ag36" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Interchange fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,187,857</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">917,373</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">471,505</span></td></tr> <tr id="xdx_40D_ecustom--LateFeeAndCommissionIncome_pn3n3_zH32q7Uj942i" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Late fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">180,688</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">104,499</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">48,378</span></td></tr> <tr id="xdx_402_ecustom--RechargeFeeAndCommissionIncome_pn3n3_znerleNvB8g3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Recharge fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">48,711</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">77,469</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">26,857</span></td></tr> <tr id="xdx_40E_ecustom--RewardsFeeAndCommissionIncome_pn3n3_zp7OWMktjW64" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Rewards revenue</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">24,313</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">22,438</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">49,951</span></td></tr> <tr id="xdx_40A_eifrs-full--OtherFeeAndCommissionIncome_pn3n3_zXkesQvbV4e" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Other fee and commission income</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">147,695</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">115,239</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">65,766</span></td></tr> <tr id="xdx_40D_ecustom--CustomerProgramrFeeAndCommissionIncome_pn3n3_zv4FtwSCIqnj" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Customer Program ("NuSócios")</span></td> <td style="padding: 2pt; text-align: left"> </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 style="-sec-ix-hidden: xdx2ixbrl1422">-</span></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 style="-sec-ix-hidden: xdx2ixbrl1423">-</span></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">(11,180)</span></td></tr> <tr id="xdx_40C_eifrs-full--FeeAndCommissionIncome_pn3n3_zdSC3iq3wuAd" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total fee and commission income</b></span></td> <td style="padding: 2pt; text-align: left"> </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>1,589,264</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>1,237,018</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>651,277</b></span></td></tr> </table> <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: 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_880_eifrs-full--DisclosureOfInterestExpenseExplanatory_pn3n3_zp2ah7C4gPq2" 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"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B3_za7RyR2IvHBa" style="display: none">Schedule of interest and other financial expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20230101__20231231_zsY9BjMFUJ46" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_490_20220101__20221231_zpNBN0otH5Pk" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20210101__20211231_zEsVVJCyZhA9" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 51%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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></tr> <tr id="xdx_408_eifrs-full--InterestExpenseOnDepositsFromCustomers_pn3n3_zkpYLZhboilc" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Interest expense on deposits</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,723,839</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">1,407,898</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">317,420</span></td></tr> <tr id="xdx_407_eifrs-full--InterestExpenseOnOtherFinancialLiabilities_pn3n3_zYhBFQPk8KZ" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Other interest and similar expenses</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">313,086</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">140,005</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">49,924</span></td></tr> <tr id="xdx_40C_eifrs-full--InterestRevenueExpense_pn3n3_zakhtQ3jgxR4" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Interest and other financial expenses</b></span></td> <td style="padding: 2pt; text-align: left"> </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>2,036,925</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>1,547,903</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>367,344</b></span></td></tr> </table> <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_88A_ecustom--ScheduleOfDisclosureOfTransactionalExpensesTableTextBlock_pn3n3_zFZnMTFy5KR5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details 3)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B9_zoeEAjda61Ch" style="display: none">Schedule of transactional expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_498_20230101__20231231_zaOqG8FUGLLj" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49E_20220101__20221231_zyDWlIMNvr1k" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_492_20210101__20211231_zStub4GKyLp4" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</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: 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--BankSlipExpensesn_pn3n3_zd1bEzrEoNs7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bank slip costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">23,953</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">33,963</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">36,149</span></td></tr> <tr id="xdx_408_ecustom--RewardsExpensesn_pn3n3_zxciiFHrm3A" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Rewards expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">58,304</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">42,422</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">36,885</span></td></tr> <tr id="xdx_40B_ecustom--CreditAndDebitCardNetworkCostsExpensesn_pn3n3_zWuRv2Ntq82d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit and debit card network costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">52,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">54,987</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">22,705</span></td></tr> <tr id="xdx_40D_ecustom--OtherTransactionalExpensesn_pn3n3_zfEb6zovokD4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other transactional expenses</span></td> <td style="padding: 2pt; text-align: left"> </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">81,474</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">45,055</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">21,380</span></td></tr> <tr id="xdx_402_ecustom--TransactionalExpensesnNet_pn3n3_zhCOIihLg3Sl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total transactional expenses</b></span></td> <td style="padding: 2pt; text-align: left"> </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>215,930</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>176,427</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>117,119</b></span></td></tr> </table> <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 the 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> | |
| CY2023 | ifrs-full |
Disclosure Of Interest Income Expense Explanatory
DisclosureOfInterestIncomeExpenseExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_883_eifrs-full--DisclosureOfInterestIncomeExpenseExplanatory_pn3n3_zMtsqfxA1BPb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Income and related expenses (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zMuNU0zDyOC5" style="display: none">Schedule of interest income and gains (losses) on financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20230101__20231231_zYwnuYkE5DEc" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_z8fY8DwZTs36" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_49C_20210101__20211231_znsSunvaTGEg" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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: 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_407_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CreditCard1Member_zkQtcv4t4cBd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – credit card</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,521,892</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,014,875</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">357,831</span></td></tr> <tr id="xdx_404_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--ConsumerLoansMember_zl6xlbJzzTta" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – lending</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,650,321</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">932,196</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">292,701</span></td></tr> <tr id="xdx_405_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zROPkFp9oQl9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – other assets at amortized cost</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">851,237</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">388,736</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">66,202</span></td></tr> <tr id="xdx_40F_eifrs-full--RevenueFromInterest_pn3n3_hifrs-full--ClassesOfFinancialInstrumentsAxis__custom--OtherReceivableMember_zJJYugFZPBVh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income – other receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">398,536</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">161,004</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17,236</span></td></tr> <tr id="xdx_40E_eifrs-full--GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid_pn3n3_z43jI1GMzuA3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest income and gains (losses) on financial instruments at fair value</span></td> <td style="padding: 2pt; text-align: left"> </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">1,017,726</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">1,058,402</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">312,776</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>Financial assets at fair value</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zAX7jZW2Edz6" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>973,029</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zNvEdwMh5eZk" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>1,087,619</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--FinancialAssetsAtAmortisedCostCategoryMember_zM01AZFe5Et7" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>309,196</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>Other</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zh0fJT8EcSe4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>44,697</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zPgOgs9veOEd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>(29,217)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20211231__ifrs-full--CategoriesOfFinancialAssetsAxis__ifrs-full--OtherAssetsMember_zkbVByiuLqu8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><i>3,580</i></span></td></tr> <tr id="xdx_40E_ecustom--InterestIncomeAndGainsLossesOnFinancialInstruments_pn3n3_zkWH5NWdeh8i" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total interest income and gains (losses) on financial instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </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>6,439,712</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>3,555,213</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,046,746</b></span></td></tr> </table> | |
| CY2023 | ifrs-full |
Gain Loss Arising From Difference Between Carrying Amount Of Financial Liability Extinguished And Consideration Paid
GainLossArisingFromDifferenceBetweenCarryingAmountOfFinancialLiabilityExtinguishedAndConsiderationPaid
|
1017726000 | usd |
| 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 |
| CY2023 | nu |
Interest Income And Gains Losses On Financial Instruments
InterestIncomeAndGainsLossesOnFinancialInstruments
|
6439712000 | 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 |
| CY2023 | nu |
Disclosure Of Fee And Commission Income Expense One Explanatory
DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_88E_ecustom--DisclosureOfFeeAndCommissionIncomeExpenseOneExplanatory_pn3n3_zWSzcBb5YcKb" 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"> <td style="padding: 2pt; text-align: left"><span id="xdx_8BA_zIWHibyQzz12" style="display: none">Schedule of fee and commission income</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_491_20230101__20231231_zGvEu4bvptkd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20220101__20221231_zyc77KmoLWF3" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20210101__20211231_zVj3Kqa19JD2" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 51%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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></tr> <tr id="xdx_402_ecustom--InterchangerFeeAndCommissionIncome_pn3n3_zFrnsao9ag36" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Interchange fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,187,857</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">917,373</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">471,505</span></td></tr> <tr id="xdx_40D_ecustom--LateFeeAndCommissionIncome_pn3n3_zH32q7Uj942i" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Late fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">180,688</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">104,499</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">48,378</span></td></tr> <tr id="xdx_402_ecustom--RechargeFeeAndCommissionIncome_pn3n3_znerleNvB8g3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Recharge fees</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">48,711</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">77,469</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">26,857</span></td></tr> <tr id="xdx_40E_ecustom--RewardsFeeAndCommissionIncome_pn3n3_zp7OWMktjW64" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Rewards revenue</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">24,313</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">22,438</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">49,951</span></td></tr> <tr id="xdx_40A_eifrs-full--OtherFeeAndCommissionIncome_pn3n3_zXkesQvbV4e" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Other fee and commission income</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">147,695</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">115,239</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">65,766</span></td></tr> <tr id="xdx_40D_ecustom--CustomerProgramrFeeAndCommissionIncome_pn3n3_zv4FtwSCIqnj" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Customer Program ("NuSócios")</span></td> <td style="padding: 2pt; text-align: left"> </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 style="-sec-ix-hidden: xdx2ixbrl1422">-</span></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 style="-sec-ix-hidden: xdx2ixbrl1423">-</span></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">(11,180)</span></td></tr> <tr id="xdx_40C_eifrs-full--FeeAndCommissionIncome_pn3n3_zdSC3iq3wuAd" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total fee and commission income</b></span></td> <td style="padding: 2pt; text-align: left"> </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>1,589,264</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>1,237,018</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>651,277</b></span></td></tr> </table> | |
| CY2023 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
1187857000 | usd |
| CY2022 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
917373000 | usd |
| CY2021 | nu |
Interchanger Fee And Commission Income
InterchangerFeeAndCommissionIncome
|
471505000 | usd |
| CY2023 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
180688000 | usd |
| CY2022 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
104499000 | usd |
| CY2021 | nu |
Late Fee And Commission Income
LateFeeAndCommissionIncome
|
48378000 | usd |
| CY2023 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
48711000 | usd |
| CY2022 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
77469000 | usd |
| CY2021 | nu |
Recharge Fee And Commission Income
RechargeFeeAndCommissionIncome
|
26857000 | usd |
| CY2023 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
24313000 | usd |
| CY2022 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
22438000 | usd |
| CY2021 | nu |
Rewards Fee And Commission Income
RewardsFeeAndCommissionIncome
|
49951000 | usd |
| CY2023 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
147695000 | usd |
| CY2022 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
115239000 | usd |
| CY2021 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
65766000 | usd |
| CY2021 | nu |
Customer Programr Fee And Commission Income
CustomerProgramrFeeAndCommissionIncome
|
-11180000 | usd |
| CY2023 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
1589264000 | usd |
| CY2022 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
1237018000 | usd |
| CY2021 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
651277000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Interest Expense Explanatory
DisclosureOfInterestExpenseExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_880_eifrs-full--DisclosureOfInterestExpenseExplanatory_pn3n3_zp2ah7C4gPq2" 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"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B3_za7RyR2IvHBa" style="display: none">Schedule of interest and other financial expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20230101__20231231_zsY9BjMFUJ46" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_490_20220101__20221231_zpNBN0otH5Pk" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20210101__20211231_zEsVVJCyZhA9" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 51%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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></tr> <tr id="xdx_408_eifrs-full--InterestExpenseOnDepositsFromCustomers_pn3n3_zkpYLZhboilc" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Interest expense on deposits</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,723,839</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">1,407,898</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">317,420</span></td></tr> <tr id="xdx_407_eifrs-full--InterestExpenseOnOtherFinancialLiabilities_pn3n3_zYhBFQPk8KZ" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt">Other interest and similar expenses</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">313,086</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">140,005</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">49,924</span></td></tr> <tr id="xdx_40C_eifrs-full--InterestRevenueExpense_pn3n3_zakhtQ3jgxR4" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Interest and other financial expenses</b></span></td> <td style="padding: 2pt; text-align: left"> </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>2,036,925</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>1,547,903</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>367,344</b></span></td></tr> </table> | |
| CY2023 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
1723839000 | usd |
| CY2022 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
1407898000 | usd |
| CY2021 | ifrs-full |
Interest Expense On Deposits From Customers
InterestExpenseOnDepositsFromCustomers
|
317420000 | usd |
| CY2023 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
313086000 | 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 |
| CY2023 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
2036925000 | usd |
| CY2022 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
1547903000 | usd |
| CY2021 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
367344000 | usd |
| CY2023 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
23953000 | usd |
| CY2022 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
33963000 | usd |
| CY2021 | nu |
Bank Slip Expensesn
BankSlipExpensesn
|
36149000 | usd |
| CY2023 | nu |
Rewards Expensesn
RewardsExpensesn
|
58304000 | usd |
| CY2022 | nu |
Rewards Expensesn
RewardsExpensesn
|
42422000 | usd |
| CY2021 | nu |
Rewards Expensesn
RewardsExpensesn
|
36885000 | usd |
| CY2023 | nu |
Credit And Debit Card Network Costs Expensesn
CreditAndDebitCardNetworkCostsExpensesn
|
52199000 | 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 |
| CY2023 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
81474000 | usd |
| CY2022 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
45055000 | usd |
| CY2021 | nu |
Other Transactional Expensesn
OtherTransactionalExpensesn
|
21380000 | usd |
| CY2023 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
215930000 | usd |
| CY2022 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
176427000 | usd |
| CY2021 | nu |
Transactional Expensesn Net
TransactionalExpensesnNet
|
117119000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Allowance For Credit Losses Explanatory
DisclosureOfAllowanceForCreditLossesExplanatory
|
<p id="xdx_80A_eifrs-full--DisclosureOfAllowanceForCreditLossesExplanatory_zOKZD3kawvXj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">7. <span id="xdx_82D_zpyR8RZ5eIAd">Credit loss allowance expenses</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88A_ecustom--DisclosureOfCreditLossAllowanceExpensesExplanaatory_zQiXhJhPRrJd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit loss allowance expenses (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B3_zfTdfALH2iTk" style="display: none">Schedule of credit loss allowance expenses</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></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 13)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zfei5gCh9na2" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,849,706</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zz8kpuPkTl33" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>939,079</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zPgWHoY1Dcs7" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>311,601</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zpEbsc3nCTee" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(158,747)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zFzzPij5fsoj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(31,491)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zbOXEHk9ndth" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(22,494)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Credit card receivables</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_z45OWINLga55" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>1,690,959</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_z2GNDWmiH5uh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>907,588</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zJ34vqbe2Yzh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>289,107</b></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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 14)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zkPf0L2tBNBh" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>634,356</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z0H6EZbpZIv7" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>501,843</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zVnoDuiZcTY9" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>192,078</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z90Rzgxobdlj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(43,683)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zPEIngbRUrqk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(4,520)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zFvKl7mEVqU6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(542)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Loans to customers</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zHgRyzhPrJ19" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>590,673</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z5RrSYlbqvc7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>497,323</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zpzMAmFqF9Fj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>191,536</b></span></td></tr> <tr style="vertical-align: bottom; 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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 16)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zsccBf0BN9k2" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,417</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zJYhRUK0gTl9" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1508">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zdkdKl7u6Y2k" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1510">-</span></b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zUQUHxmWaII9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1512">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zA9wsaFTlMY8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1514">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zJ4gQlIsoqb7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1516">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Other receivables</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_z7FrgJM28l67" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>1,417</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zFZCnr3fG6o5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1520">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_z8NSrg413tbi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1522">-</span></b></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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other financial assets allowance expenses (note 12)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20231231_zlSKW3TZGGG6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt">2,169</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20221231_zyTq0sMYdrrg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1526">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20211231_zLzNwSTjvBph" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1528">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Securities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--CreditSecurities_iI_pn3n3_c20231231_zgKgJN07e16j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Credit securities"><span style="font-size: 8pt"><b>2,169</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--CreditSecurities_iI_pn3n3_c20221231_z1VK6tjCXJia" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1532">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--CreditSecurities_iI_pn3n3_c20211231_znfpEyokUtK1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1534">-</span></b></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 style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231_zKLwua47FsR3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>2,285,218</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231_zwnWbMLpOuf2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,404,911</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_zHorAi9FSZrk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>480,643</b></span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> | |
| CY2023 | nu |
Disclosure Of Credit Loss Allowance Expenses Explanaatory
DisclosureOfCreditLossAllowanceExpensesExplanaatory
|
<table cellpadding="0" cellspacing="0" id="xdx_88A_ecustom--DisclosureOfCreditLossAllowanceExpensesExplanaatory_zQiXhJhPRrJd" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit loss allowance expenses (Details)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B3_zfTdfALH2iTk" style="display: none">Schedule of credit loss allowance expenses</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></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 15%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 13)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zfei5gCh9na2" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,849,706</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zz8kpuPkTl33" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>939,079</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zPgWHoY1Dcs7" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>311,601</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zpEbsc3nCTee" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(158,747)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zFzzPij5fsoj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(31,491)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zbOXEHk9ndth" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(22,494)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Credit card receivables</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_z45OWINLga55" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>1,690,959</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_z2GNDWmiH5uh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>907,588</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--CreditCard1Member_zJ34vqbe2Yzh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>289,107</b></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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 14)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zkPf0L2tBNBh" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>634,356</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z0H6EZbpZIv7" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>501,843</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zVnoDuiZcTY9" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>192,078</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z90Rzgxobdlj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(43,683)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zPEIngbRUrqk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(4,520)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zFvKl7mEVqU6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt">(542)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Loans to customers</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zHgRyzhPrJ19" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>590,673</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_z5RrSYlbqvc7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>497,323</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LoansToCustomerMember_zpzMAmFqF9Fj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>191,536</b></span></td></tr> <tr style="vertical-align: bottom; 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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>Net increase of loss allowance (note 16)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zsccBf0BN9k2" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,417</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zJYhRUK0gTl9" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1508">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zdkdKl7u6Y2k" style="padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1510">-</span></b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Recovery</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zUQUHxmWaII9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1512">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zA9wsaFTlMY8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1514">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zJ4gQlIsoqb7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Recovery"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1516">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Other receivables</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_z7FrgJM28l67" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b>1,417</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_zFZCnr3fG6o5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1520">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherReceivableMember_z8NSrg413tbi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Allowance account for credit losses of financial assets"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1522">-</span></b></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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other financial assets allowance expenses (note 12)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20231231_zlSKW3TZGGG6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt">2,169</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20221231_zyTq0sMYdrrg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1526">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--OtherFinancialAssetsAllowanceExpenses_iI_pn3n3_c20211231_zLzNwSTjvBph" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Other financial assets allowance expenses"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1528">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Securities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--CreditSecurities_iI_pn3n3_c20231231_zgKgJN07e16j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Credit securities"><span style="font-size: 8pt"><b>2,169</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--CreditSecurities_iI_pn3n3_c20221231_z1VK6tjCXJia" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1532">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--CreditSecurities_iI_pn3n3_c20211231_znfpEyokUtK1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl1534">-</span></b></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 style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231_zKLwua47FsR3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>2,285,218</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231_zwnWbMLpOuf2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>1,404,911</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20210101__20211231_zHorAi9FSZrk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance (note 13)"><span style="font-size: 8pt"><b>480,643</b></span></td></tr> </table> | |
| CY2023Q4 | nu |
Other Financial Assets Allowance Expenses
OtherFinancialAssetsAllowanceExpenses
|
2169000 | usd |
| CY2023Q4 | nu |
Credit Securities
CreditSecurities
|
2169000 | usd |
| CY2023 | ifrs-full |
Increase Decrease In Allowance Account For Credit Losses Of Financial Assets
IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets
|
2285218000 | usd |
| 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 |
| CY2023 | ifrs-full |
Disclosure Of Accrued Expenses And Other Liabilities Explanatory
DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory
|
<p id="xdx_802_eifrs-full--DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory_zVL8LcC11QA3" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0; text-align: justify">8. <span id="xdx_82D_zo6N2z6Zmk28">Operating expenses</span></p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--ScheduleOfOperatingExpensesTableTextBlock_zYd0rpG6e6F6" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Operating expenses (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zCicEe2Mx4Qk" style="display: none">Schedule of operating expenses</span> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_491_20230101__20231231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_znIzOSdcBWO6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_499_20230101__20231231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_ztk9g4nxOVLe" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49E_20230101__20231231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zzdrSeXYK2xh" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_493_20230101__20231231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zK3NycfCSzyh" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_490_20230101__20231231_zmNRA9eD9YFk" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 30%; 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>Customer support and operations</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>General and administrative expenses</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>Marketing expenses</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>Other expenses (income)</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>Total</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: 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 id="xdx_40A_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_z3tdxWuVHZ9e" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">186,651</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">174,557</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1548">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1549">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">361,208</span></td></tr> <tr id="xdx_409_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zkMyXpj9Yq59" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">89,293</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">41,316</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1554">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1555">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">130,609</span></td></tr> <tr id="xdx_402_eifrs-full--ProfessionalFeesExpense_pn3n3_zU1O3oQX6iW4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Customer services</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">80,866</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,491</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1560">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1561">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">88,357</span></td></tr> <tr id="xdx_407_eifrs-full--WagesAndSalaries_pn3n3_zdw0MDfI6eEg" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">72,478</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">300,559</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">20,994</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1567">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">394,031</span></td></tr> <tr id="xdx_40C_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zvtBgr2UhXy8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27,137</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">55,396</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1572">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1573">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">82,533</span></td></tr> <tr id="xdx_40D_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_zqhbazrCKhq3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,770</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">251,769</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,075</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1579">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">255,614</span></td></tr> <tr id="xdx_404_eifrs-full--BankAndSimilarCharges_pn3n3_z2sKxn27Gov7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1582">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">61,404</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1584">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1585">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">61,404</span></td></tr> <tr id="xdx_40A_ecustom--OtherPersonnelExpense_pn3n3_zuszprRsBJKa" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other personnel costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">15,675</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">46,251</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,298</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1591">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">64,224</span></td></tr> <tr id="xdx_409_eifrs-full--DepreciationExpense_pn3n3_zfC1iiBmC1Ec" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,072</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">49,823</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1596">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1597">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">62,895</span></td></tr> <tr id="xdx_40C_eifrs-full--SellingExpense_pn3n3_z8n8czg1PHK2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Marketing expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1600">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1601">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">146,655</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1603">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">146,655</span></td></tr> <tr id="xdx_407_eifrs-full--OtherExpenseByNature_pn3n3_zme5v3miHd7j" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others (i)</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">140</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">53,724</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 style="-sec-ix-hidden: xdx2ixbrl1608">-</span></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">250,431</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">304,295</span></td></tr> <tr id="xdx_40F_ecustom--OthetOperatingExpense1_pn3n3_zdr9XSLoyJTc" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>488,082</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>1,042,290</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>171,022</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>250,431</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>1,951,825</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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_zIQwLxaHC7Fg" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_z8I5ySiSuHDi" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_498_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zAblrkYltafk" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_493_20220101__20221231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zq7NKmqmLKB6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49A_20220101__20221231_zxuwyv3Wc7Ie" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; 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: 11%; text-align: center"><span style="font-size: 8pt"><b>Customer support and operations</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: 8pt"><b>General and administrative expenses</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: 8pt"><b>Marketing expenses</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: 8pt"><b>Other expenses (income)</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: 8pt"><b>Total</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: 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 id="xdx_406_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_zzYVnQZkiadk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">132,163</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">144,341</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1620">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1621">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">276,504</span></td></tr> <tr id="xdx_40E_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zDQ9424jDFob" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">54,239</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">39,773</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1626">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1627">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">94,012</span></td></tr> <tr id="xdx_406_eifrs-full--ProfessionalFeesExpense_pn3n3_zXsEE74THuB9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Customer services</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">74,438</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">9,559</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1632">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1633">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">83,997</span></td></tr> <tr id="xdx_406_eifrs-full--WagesAndSalaries_pn3n3_zGEivkUuJf5h" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">48,661</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">275,117</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">15,430</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1639">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">339,208</span></td></tr> <tr id="xdx_405_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zesYMzta71B8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,174</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">43,689</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1644">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1645">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">56,863</span></td></tr> <tr id="xdx_40D_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_zcu97Xvwg0lh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1648">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">286,450</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1650">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1651">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">286,450</span></td></tr> <tr id="xdx_406_eifrs-full--BankAndSimilarCharges_pn3n3_zcHTU99hdms6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1654">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">39,842</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1656">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1657">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">39,842</span></td></tr> <tr id="xdx_403_ecustom--OtherPersonnelExpense_pn3n3_zh2yoF9b7m5a" style="background-color: white"> <td style="padding: 2pt; width: 40%; text-align: left"><span style="font-size: 8pt">Other personnel costs</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: right"><span style="font-size: 8pt">8,553</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: right"><span style="font-size: 8pt">41,494</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: right"><span style="font-size: 8pt">1,425</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1663">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: right"><span style="font-size: 8pt">51,472</span></td></tr> <tr id="xdx_400_eifrs-full--DepreciationExpense_pn3n3_zAb3oUFALWb6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">3,965</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">31,616</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1668">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1669">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">35,581</span></td></tr> <tr id="xdx_40E_eifrs-full--SellingExpense_pn3n3_z8510vmaeks5" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Marketing expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1672">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1673">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">136,142</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1675">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">136,142</span></td></tr> <tr id="xdx_407_eifrs-full--OtherExpenseByNature_pn3n3_zaHhKnxryjog" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others (i)</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">170</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">65,813</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 style="-sec-ix-hidden: xdx2ixbrl1680">-</span></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">150,264</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">216,247</span></td></tr> <tr id="xdx_40B_ecustom--Subtotal_pn3n3_z58ge3zruqzk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Subtotal</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>335,363</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>977,694</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>152,997</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>150,264</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>1,616,318</b></span></td></tr> <tr id="xdx_404_ecustom--SharebasedCompensationContingentShareAwardTermination_iP3custom--Subtotal_pn3n3_zhvkydbJc8l9" style="background-color: #E8E7FC"> <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: left"><span style="font-size: 8pt">Share-based compensation - contingent share award termination (10b) (ii)</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 style="-sec-ix-hidden: xdx2ixbrl1690">-</span></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">355,573</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 style="-sec-ix-hidden: xdx2ixbrl1692">-</span></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 style="-sec-ix-hidden: xdx2ixbrl1693">-</span></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">355,573</span></td></tr> <tr id="xdx_40E_ecustom--OthetOperatingExpense1_iP3custom--SharebasedCompensationContingentShareAwardTermination_pn3n3_zpqwcBBicIEl" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>335,363</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>1,333,267</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>152,997</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>150,264</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>1,971,891</b></span></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_499_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--CustomerSupportAndOperationsMember_zt2WIuYeDMUi" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_498_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__ifrs-full--SellingGeneralAndAdministrativeExpenseMember_znfJ0zPngCkg" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_498_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--MarketingMember_zfMDfrxhW1E2" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_493_20210101__20211231__ifrs-full--AttributionOfExpensesByNatureToTheirFunctionAxis__custom--OtherIncomeExpensesMember_zptyflMHNBLd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20210101__20211231_zXTHBWL9Z1vh" style="padding: 2pt; text-align: center"> </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="9" 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: 30%; 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>Customer support and operations</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>General and administrative expenses</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>Marketing expenses</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>Other income (expenses)</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>Total</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> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--InfrastructureAndDataProcessingCosts_pn3n3_zaNhfjy4fZsl" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Infrastructure and data processing costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">70,928</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">63,833</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1704">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1705">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">134,761</span></td></tr> <tr id="xdx_40C_ecustom--CreditAnalysisAndCollectionCosts_pn3n3_zyUoujYEUzZ2" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit analysis and collection costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">34,026</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">25,843</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1710">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1711">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">59,869</span></td></tr> <tr id="xdx_407_eifrs-full--ProfessionalFeesExpense_pn3n3_zoWK4ssyKX25" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Customer services</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">48,122</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,923</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1716">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1717">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">55,045</span></td></tr> <tr id="xdx_403_eifrs-full--WagesAndSalaries_pn3n3_z9I9sAiE6I8i" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Salaries and associated benefits</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">19,898</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">185,715</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,522</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1723">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">213,135</span></td></tr> <tr id="xdx_404_ecustom--CreditAndDebitCardIssuanceCosts_pn3n3_zmeiOvnVCb31" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit and debit card issuance costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,711</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">25,445</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1728">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1729">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">39,156</span></td></tr> <tr id="xdx_404_eifrs-full--ExpenseFromSharebasedPaymentTransactionsWithEmployees_pn3n3_z28Jx4vfcvc7" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share-based compensation (note 10a)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1732">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">225,445</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1734">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1735">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">225,445</span></td></tr> <tr id="xdx_408_eifrs-full--BankAndSimilarCharges_pn3n3_zNc9qjm4zft1" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Specialized services expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1738">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">29,200</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1740">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1741">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">29,200</span></td></tr> <tr id="xdx_40F_ecustom--OtherPersonnelExpense_pn3n3_z30v8uA6Khn8" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other personnel costs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,253</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">18,452</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">277</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1747">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">20,982</span></td></tr> <tr id="xdx_40D_eifrs-full--DepreciationExpense_pn3n3_zXmY6RsCTtDl" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Depreciation and amortization</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,217</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">16,122</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1752">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1753">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17,339</span></td></tr> <tr id="xdx_40C_eifrs-full--SellingExpense_pn3n3_zcQylkwYsoy4" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Marketing expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1756">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1757">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">71,775</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1759">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">71,775</span></td></tr> <tr id="xdx_400_eifrs-full--OtherExpenseByNature_pn3n3_zZUF0cs1o3y9" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others (i)</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">354</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">31,923</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 style="-sec-ix-hidden: xdx2ixbrl1764">-</span></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">4,097</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">36,374</span></td></tr> <tr id="xdx_40D_ecustom--OthetOperatingExpense1_pn3n3_z6Pzr84fxz65" style="vertical-align: bottom; background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>190,509</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>628,901</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>79,574</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>4,097</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>903,081</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 style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(i)</td> <td style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 97%">"Others" mainly includes federal taxes on financial income, taxes related to international transactions and foreign 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 style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%">(ii)</td> <td 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$355,573 in the fourth quarter of 2022.</td></tr> </table> <p id="xdx_8A6_zENeV4oKx4af" 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">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> | |
| CY2023 | nu |
Infrastructure And Data Processing Costs
InfrastructureAndDataProcessingCosts
|
361208000 | usd |
| CY2023 | nu |
Credit Analysis And Collection Costs
CreditAnalysisAndCollectionCosts
|
130609000 | usd |
| CY2023 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
88357000 | usd |
| CY2023 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
394031000 | usd |
| CY2023 | nu |
Credit And Debit Card Issuance Costs
CreditAndDebitCardIssuanceCosts
|
82533000 | usd |
| CY2023 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
255614000 | usd |
| CY2023 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
61404000 | usd |
| CY2023 | nu |
Other Personnel Expense
OtherPersonnelExpense
|
64224000 | usd |
| CY2023 | ifrs-full |
Depreciation Expense
DepreciationExpense
|
62895000 | usd |
| CY2023 | ifrs-full |
Selling Expense
SellingExpense
|
146655000 | usd |
| CY2023 | ifrs-full |
Other Expense By Nature
OtherExpenseByNature
|
304295000 | usd |
| CY2023 | nu |
Othet Operating Expense1
OthetOperatingExpense1
|
1951825000 | usd |
| 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 |
| CY2023 | ifrs-full |
Disclosure Of Earnings Per Share Explanatory
DisclosureOfEarningsPerShareExplanatory
|
<p id="xdx_805_eifrs-full--DisclosureOfEarningsPerShareExplanatory_zxMfhrusvLEi" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">9. <span id="xdx_827_zy9CKpBOIEW3">Earnings (loss) per share</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--DisclosureOfEarningsPerShareTableExplanatory_pn3n3_zqI6qt4J9xpf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Earnings (loss) per share (Details)"> <tr> <td style="padding: 2pt; background-color: white; text-align: left"><span id="xdx_8B0_zw4d8QyV7PV1" style="display: none">Schedule of earnings (loss) per share</span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td id="xdx_497_20230101__20231231_ztPP4RAFBus8" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20220101__20221231_zYlUD7nCf1m1" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_497_20210101__20211231_z25GhMcXUYjb" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 62%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40E_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_zqYb9nB5PM1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) attributable to shareholders of the parent company</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: right"><span style="font-size: 8pt"><b>1,030,530</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(364,578)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(164,993)</b></span></td></tr> <tr id="xdx_40E_ecustom--WeightedAverageSharesBasic_zf4SQoL5nsn2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average outstanding shares - ordinary shares - basic (thousands)</span></td> <td style="padding: 2pt; text-align: left"> </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>4,738,841</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>4,676,941</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>1,602,126</b></span></td></tr> <tr id="xdx_40A_ecustom--AdjustmentForBasicEarningsPerSharesAbstract_iB_zrgTHusWENHb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Adjustment for the basic earnings per shares:</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></tr> <tr id="xdx_402_ecustom--DeferredMaSharesThatWillBeIssuedSolelyBasedOnPassageOfTime_zDvGOU44cC04" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Deferred M&A shares that will be issued solely based on the passage of time</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1790">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">36</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1792">-</span></span></td></tr> <tr id="xdx_404_eifrs-full--WeightedAverageShares_zbEUMwM1SiS9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Weighted average outstanding shares - ordinary shares - basic (thousands)</b></span></td> <td style="padding: 2pt; text-align: left"> </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">4,738,841</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">4,676,977</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">1,602,126</span></td></tr> <tr id="xdx_407_ecustom--AdjustmentForDilutedEarningsPerShareAbstract_iB_zwCMoeWETGmj" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Adjustment for the diluted earnings per share:</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></tr> <tr id="xdx_403_eifrs-full--KeyManagementPersonnelCompensationSharebasedPayment_znfCLXRQxlrl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share based payment</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">112,823</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1803">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1804">-</span></span></td></tr> <tr id="xdx_406_ecustom--BusinessAcquisition_zorir4RRaDF4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Business acquisition</span></td> <td style="padding: 2pt; text-align: left"> </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">5,915</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 style="-sec-ix-hidden: xdx2ixbrl1807">-</span></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 style="-sec-ix-hidden: xdx2ixbrl1808">-</span></span></td></tr> <tr id="xdx_40D_eifrs-full--AdjustedWeightedAverageShares_zRJNIyBPrnC1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total weighted average of ordinary outstanding shares for diluted EPS (in thousands of shares)</b></span></td> <td style="padding: 2pt; text-align: left"> </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>4,857,579</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>4,676,977</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>1,602,126</b></span></td></tr> <tr id="xdx_40F_eifrs-full--BasicEarningsLossPerShare_pip0_zQD5QByeaCFk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) per share – basic (US$)</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: right"><span style="font-size: 8pt"><b>0.2175</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.1030)</b></span></td></tr> <tr id="xdx_405_eifrs-full--DilutedEarningsLossPerShare_pip0_zQE2Dfuodaz1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) per share – diluted (US$)</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: right"><span style="font-size: 8pt"><b>0.2121</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.1030)</b></span></td></tr> <tr id="xdx_40A_eifrs-full--NumberOfPotentialOrdinarySharesThatAreAntidilutiveInPeriodPresented_zcJG9RwAf9cc" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Antidilutive instruments not considered in the weighted number of shares (in thousands of shares)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,143</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">184,362</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">334,436</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">The Company has instruments that will become common shares upon exercise, acquisition, conversion (SOPs and RSUs described in note 10), or satisfaction of specific business combination conditions. The effects of the potential antidilutive instruments were calculated using the treasury stock method and are included in the total weighted average of ordinary outstanding shares for diluted EPS if the effects are considered dilutive. The antidilutive 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.</p> | |
| CY2023 | nu |
Disclosure Of Earnings Per Share Table Explanatory
DisclosureOfEarningsPerShareTableExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--DisclosureOfEarningsPerShareTableExplanatory_pn3n3_zqI6qt4J9xpf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Earnings (loss) per share (Details)"> <tr> <td style="padding: 2pt; background-color: white; text-align: left"><span id="xdx_8B0_zw4d8QyV7PV1" style="display: none">Schedule of earnings (loss) per share</span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td id="xdx_497_20230101__20231231_ztPP4RAFBus8" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20220101__20221231_zYlUD7nCf1m1" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_497_20210101__20211231_z25GhMcXUYjb" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 62%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40E_eifrs-full--ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_zqYb9nB5PM1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) attributable to shareholders of the parent company</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: right"><span style="font-size: 8pt"><b>1,030,530</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(364,578)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(164,993)</b></span></td></tr> <tr id="xdx_40E_ecustom--WeightedAverageSharesBasic_zf4SQoL5nsn2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average outstanding shares - ordinary shares - basic (thousands)</span></td> <td style="padding: 2pt; text-align: left"> </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>4,738,841</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>4,676,941</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>1,602,126</b></span></td></tr> <tr id="xdx_40A_ecustom--AdjustmentForBasicEarningsPerSharesAbstract_iB_zrgTHusWENHb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Adjustment for the basic earnings per shares:</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></tr> <tr id="xdx_402_ecustom--DeferredMaSharesThatWillBeIssuedSolelyBasedOnPassageOfTime_zDvGOU44cC04" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Deferred M&A shares that will be issued solely based on the passage of time</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1790">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">36</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1792">-</span></span></td></tr> <tr id="xdx_404_eifrs-full--WeightedAverageShares_zbEUMwM1SiS9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Weighted average outstanding shares - ordinary shares - basic (thousands)</b></span></td> <td style="padding: 2pt; text-align: left"> </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">4,738,841</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">4,676,977</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">1,602,126</span></td></tr> <tr id="xdx_407_ecustom--AdjustmentForDilutedEarningsPerShareAbstract_iB_zwCMoeWETGmj" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Adjustment for the diluted earnings per share:</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></tr> <tr id="xdx_403_eifrs-full--KeyManagementPersonnelCompensationSharebasedPayment_znfCLXRQxlrl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share based payment</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">112,823</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1803">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1804">-</span></span></td></tr> <tr id="xdx_406_ecustom--BusinessAcquisition_zorir4RRaDF4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Business acquisition</span></td> <td style="padding: 2pt; text-align: left"> </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">5,915</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 style="-sec-ix-hidden: xdx2ixbrl1807">-</span></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 style="-sec-ix-hidden: xdx2ixbrl1808">-</span></span></td></tr> <tr id="xdx_40D_eifrs-full--AdjustedWeightedAverageShares_zRJNIyBPrnC1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total weighted average of ordinary outstanding shares for diluted EPS (in thousands of shares)</b></span></td> <td style="padding: 2pt; text-align: left"> </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>4,857,579</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>4,676,977</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>1,602,126</b></span></td></tr> <tr id="xdx_40F_eifrs-full--BasicEarningsLossPerShare_pip0_zQD5QByeaCFk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) per share – basic (US$)</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: right"><span style="font-size: 8pt"><b>0.2175</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.1030)</b></span></td></tr> <tr id="xdx_405_eifrs-full--DilutedEarningsLossPerShare_pip0_zQE2Dfuodaz1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Earnings (loss) per share – diluted (US$)</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: right"><span style="font-size: 8pt"><b>0.2121</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.0780)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(0.1030)</b></span></td></tr> <tr id="xdx_40A_eifrs-full--NumberOfPotentialOrdinarySharesThatAreAntidilutiveInPeriodPresented_zcJG9RwAf9cc" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Antidilutive instruments not considered in the weighted number of shares (in thousands of shares)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,143</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">184,362</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">334,436</span></td></tr> </table> | |
| CY2023 | ifrs-full |
Profit Loss From Continuing Operations Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity
|
1030530000 | usd |
| 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 |
| CY2023 | nu |
Weighted Average Shares Basic
WeightedAverageSharesBasic
|
4738841000 | shares |
| CY2022 | nu |
Weighted Average Shares Basic
WeightedAverageSharesBasic
|
4676941000 | shares |
| CY2021 | nu |
Weighted Average Shares Basic
WeightedAverageSharesBasic
|
1602126000 | shares |
| CY2022 | nu |
Deferred Ma Shares That Will Be Issued Solely Based On Passage Of Time
DeferredMaSharesThatWillBeIssuedSolelyBasedOnPassageOfTime
|
36000 | usd |
| CY2023 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
4738841000 | shares |
| CY2022 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
4676977000 | shares |
| CY2021 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
1602126000 | shares |
| CY2023 | ifrs-full |
Key Management Personnel Compensation Sharebased Payment
KeyManagementPersonnelCompensationSharebasedPayment
|
112823000 | usd |
| CY2023 | nu |
Business Acquisition
BusinessAcquisition
|
5915000 | usd |
| CY2023 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
4857579000 | shares |
| CY2022 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
4676977000 | shares |
| CY2021 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
1602126000 | shares |
| CY2023 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.2175 | |
| CY2022 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
-0.0780 | |
| CY2021 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
-0.1030 | |
| CY2023 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.2121 | |
| CY2022 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
-0.0780 | |
| CY2021 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
-0.1030 | |
| CY2023 | ifrs-full |
Number Of Potential Ordinary Shares That Are Antidilutive In Period Presented
NumberOfPotentialOrdinarySharesThatAreAntidilutiveInPeriodPresented
|
4143000 | shares |
| CY2022 | ifrs-full |
Number Of Potential Ordinary Shares That Are Antidilutive In Period Presented
NumberOfPotentialOrdinarySharesThatAreAntidilutiveInPeriodPresented
|
184362000 | shares |
| CY2021 | ifrs-full |
Number Of Potential Ordinary Shares That Are Antidilutive In Period Presented
NumberOfPotentialOrdinarySharesThatAreAntidilutiveInPeriodPresented
|
334436000 | shares |
| CY2023 | nu |
Disclosure Of Sharebased Payment Arrangement Explanatory
DisclosureOfSharebasedPaymentArrangementExplanatory
|
<p id="xdx_80A_ecustom--DisclosureOfSharebasedPaymentArrangementExplanatory_z2GyEgjtTttk" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">10. <span id="xdx_829_zqOk3vWU7Tm3">Share-based payments</span></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><td style="width: 0.5in"><b>a)</b></td><td style="text-align: justify"><b>Share-settled awards</b></td></tr></table> <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.<br/> <br/> 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 and future prospective 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 over vested RSUs, 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" between "Customer support and operations", "General and administrative expenses" and "Marketing 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.<br/> <br/> 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_89B_ecustom--DisclosureOfAwardsAfterTheGrantDateExplanatory_zAxsofIeT5C" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B7_zmNa4VJR4HZ1" style="display: none">Schedule of changes in the number of SOPs and RSUs</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; vertical-align: bottom; 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> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 38%; text-align: left"><span style="font-size: 8pt"><b>SOPs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</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: 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; vertical-align: bottom; 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on January 1</b></span></td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20230101__20231231_zM1D3ijG2wwj" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iS_pip0_c20230101__20231231_zJ95XNNV3rw3" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20220101__20221231_z2C9jRGFvkLf" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iS_pip0_c20220101__20221231_z1L0oo4Vqvab" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20210101__20211231_zF9BN1FHXmfd" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iS_pip0_c20210101__20211231_z1EKMBGoH5vk" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Granted during the year</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementGranted_pip0_c20210101__20211231_zHHTevehhA1k" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">1,141,362</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceGranted_pip0_c20210101__20211231_zQwIWPm2w0Be" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">23.75</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Exercised during the year</span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20230101__20231231_zOyZDYwPiW08" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(39,100,504)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceExercised_pip0_c20230101__20231231_zXe71PFOnE9d" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.21</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20220101__20221231_z65wpv40FJS8" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(37,095,966)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePriceExercised_pip0_c20220101__20221231_zz7qxwM7XL87" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.12</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20210101__20211231_zOml4UJ274nf" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(18,822,551)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceExercised_pip0_c20210101__20211231_zVBsvExd7wYg" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.38</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Forfeited during the year</span></td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20230101__20231231_z8GZlTM95mP3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(2,233,761)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20220101__20221231_zvfrt9X3S0tl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(5,517,146)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20210101__20211231_zkhPMwrMNzb2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(853,059)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20230101__20231231_zFfExBuaiKK5" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>59,942,062</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20230101__20231231_z5tlq9XgSXY6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>1.04</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20220101__20221231_z0ncAoFgUex6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20220101__20221231_zuTuGAKD90N5" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20210101__20211231_zjfOelqNMc2b" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>23,981,573</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20210101__20211231_zyWsFAN2yqJ6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>3.01</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of options due to 6-for-1 forward split</span></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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAIssuanceOfOptions_pip0_c20210101__20211231_zKVkYg9UccWa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Issuance of options due to 6-for-1 forward split"><span style="font-size: 8pt">119,907,866</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on December 31</b></span></td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20230101__20231231_ztgc5pjBOn7h" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>59,942,062</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pip0_c20230101__20231231_z3uct6BdSqU5" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>1.04</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20220101__20221231_zzRAIy16RvQl" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iE_pip0_c20220101__20221231_zzL2n9QgTZll" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20210101__20211231_zXipVnd9Vwye" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice_iE_pip0_c20210101__20211231_zvXgra2uqRok" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>0.55</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Exercisable on December 31</b></span></td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20231231_z7CyqquAwx8g" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>53,561,964</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePrice1_iI_pip0_c20231231_zRVqAnRBYlqj" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.94</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20221231_zwI12cBVS3t2" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>81,813,095</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePrice1_iI_pip0_c20221231_zh4AarCjcJBl" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20211231_zRJK19dZf2Jj" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>101,416,310</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice1_iI_pip0_c20211231_znxFuxf0aRqi" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.33</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"> </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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 37%; text-align: left"><span style="font-size: 8pt"><b>RSUs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: center"> </td> <td style="border-bottom: black 1pt solid; width: 8%; background-color: white; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</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: 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></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on January 1</b></span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20230101__20231231_zoPrNujgBBTk" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iS_pip0_c20230101__20231231_zpLgfq4M9PTl" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20220101__20221231_zv2ULfKALJD7" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iS_pip0_c20220101__20221231_zVYvytJ5Rc02" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20210101__20211231_zCvjt2Akk7Xa" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageSharePrice2_iS_pip0_c20210101__20211231_zSl6WqWNzFoj" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>10.47</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Granted during the year</span></td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20230101__20231231_z7A19WxDxwo8" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">35,823,472</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceGranted2_pip0_c20230101__20231231_znO1f6qPdLKi" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">4.97</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20220101__20221231_zNF9uA4bdod9" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">32,294,522</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceGranted2_pip0_c20220101__20221231_zsYVFj3mkH24" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">5.47</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20210101__20211231_zfZKEr9DtEJ6" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">13,103,243</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePriceGranted2_pip0_c20210101__20211231_z1nfBcXWbjf2" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">36.65</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Vested during the year</span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20230101__20231231_z9teFKp6BsZ1" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(29,212,440)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceExercised2_pip0_c20230101__20231231_z7nqANr4CXM" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">4.45</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20220101__20221231_zS7B4cDb5eF8" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(27,322,614)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceExercised2_pip0_c20220101__20221231_zTIZitUcDIAe" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">3.64</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20210101__20211231_zi0Mdne2keig" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(3,092,289)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceExercised2_pip0_c20210101__20211231_zSmNW4KMWuXa" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">15.06</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 37%; text-align: left"><span style="font-size: 8pt">Forfeited during the year</span></td> <td id="xdx_984_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20230101__20231231_z2eECVeBCDy8" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(12,500,866)</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: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20220101__20221231_zjVbnkrWuQOh" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(13,494,950)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20210101__20211231_zOBDQc9uFA55" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(1,817,919)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20230101__20231231_zQxFR0wIfyG7" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>66,512,061</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20230101__20231231_z6Vi8srWKtk4" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>5.66</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20220101__20221231_zl3RvfiMNRTg" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20220101__20221231_zbEMs9aiUcw3" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20210101__20211231_zsqEQWnVSWff" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>13,487,489</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20210101__20211231_zWVxtAQ5hg8g" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>28.91</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of RSUs due to 6-for-1 forward split</span></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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAIssuanceOfOneOptions_pip0_c20210101__20211231_zS4AmBxfbOe1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Issuance of RSUs due to 6-for-1 forward split"><span style="font-size: 8pt">67,437,448</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on December 31</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20230101__20231231_z8eWybslm8Sk" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>66,512,061</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice2_iI_pip0_c20231231_zFyMZExiSQDe" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>5.66</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20220101__20221231_zEkW8cunZA2j" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice2_iI_pip0_c20221231_z5JLRhWKs9q9" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20210101__20211231_zZkqhWigGuza" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iI_pip0_c20211231_z52UhuDmqjZf" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>4.82</b></span></td></tr> </table> <p id="xdx_8AA_zOS5ltG7HWC7" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following tables present the total amount of share-based compensation expense, and the provision for taxes as of December 31, 2023, 2022 and 2021.</p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--DisclosureOfShareBsedCmpensationGrantedTableTextBlock_pn3n3_zvsZ72uOh2pa" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8BF_zbksQCYsyfXi" style="display: none">Schedule of share-based compensation expense</span></td> <td id="xdx_49E_20230101__20231231_zTUl24v1vqm7" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20220101__20221231_zkmJTpIr7BF4" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_491_20210101__20211231_zVAfKNsQSWL2" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 59%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022 (i)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2021</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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses_pn3n3_zvSm0hS16dWa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">SOP and RSU expenses and related corporate and social security taxes expenses</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">256,103</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">126,167</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">151,115</span></td></tr> <tr id="xdx_40B_ecustom--RsusAndSopsGrantBusinessCombination_pn3n3_za2td2B3pgWi" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">RSUs and SOPs grant - business combination</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,400</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">43,116</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">45,597</span></td></tr> <tr id="xdx_40B_ecustom--AwardsExpensesAndRelatedTaxesPriorToCancelation_pn3n3_z69LJqRe1Uxe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Awards expenses and related taxes</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">19,814</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">113,172</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">28,733</span></td></tr> <tr id="xdx_40E_ecustom--FairValueAdjustmentHedgeOfCorporateAndSocialSecurityTaxesNote18_pn3n3_zcoSuUWYo2yh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value adjustment - hedge of corporate and social security taxes (note 19)</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">(33,703)</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">3,995</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1986">-</span></span></td></tr> <tr id="xdx_408_ecustom--TotalSharebasedCompensationExpensesNote8_pn3n3_zqDCWGs9i539" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total share-based compensation expenses (note 8)</b></span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>255,614</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>286,450</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>225,445</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--EquitySharebasedCompensationNetOfSharesWithheldForEmployeeTaxes_pn3n3_zCLzeHn6T055" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Equity share-based compensation, net of shares withheld for employee taxes</b></span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>160,309</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>201,991</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>139,025</b></span></td></tr> </table> <p style="font: 10pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><span style="font-weight: normal">(i) Prior to the contingent share award termination (see note 10b).</span></p> <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; vertical-align: bottom; text-align: left"> </td> <td id="xdx_494_20230101__20231231_zFvDYo0tyWw8" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_zlmuqYj46853" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_490_20210101__20211231_zt3oJwSFoIsl" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; width: 59%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2023</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>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr id="xdx_403_ecustom--LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions_pn3n3_zTIzXgnlL3sb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Liability provision for taxes presented as salaries, allowances and social security contributions</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">66,075</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">32,554</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">61,772</span></td></tr> </table> <p id="xdx_8A4_z0IuU6m8uVPe" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In 2022 and 2023, 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_891_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory_pn3n3_zUio6ZQryYih" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 2)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B2_zAFee5GMOFm9" style="display: none">Schedule of SOP characteristics and the valuation model</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 59%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionsGrantedDuringYear_iI_pip0_c20211231_zF2Ku5f221Z9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of options granted during the year"><span style="font-size: 8pt">2.58</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average share fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pip0_c20211231_zbuqNpPbqTZ6" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted1"><span style="font-size: 8pt">3.97</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Exercise price of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pip0_c20211231_zMFsPtwyhAMi" title="Weighted average fair value of option granted maximum">3.98</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Expected volatility in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20211231_zz1ZZK590IYe" title="Weighted average fair value of option granted percentage minimum">72.5</span> and <span id="xdx_90F_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20211231_z9cvKieIilS4" title="Weighted average fair value of option granted percentage maximum">75.0</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Risk–free interest rate p.y. in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--RiskfreeInterestRate_iI_pip0_dp_c20211231_zSgevuQDRwS8" title="Risk free interest rate P minimum">0.50</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average share price at the date of exercise of options during the year (US$)</span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20231231_zP2cbh9NBdz2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">6.37</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20221231_zJZYKoWvacVk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">7.72</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20211231_zCSUvMQS2m5h" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">6.38</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted Average remaining contractual life of options outstanding at year-end</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20230101__20231231_zJGeGezLaxQ3" title="Weighted average remaining contractual life of outstanding share options">4.78</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20220101__20221231_zOifMBHFE9Jb" title="Weighted average remaining contractual life of outstanding share options">4.80</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_901_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20210101__20211231_zzi5SCUBLGk5" title="Weighted average remaining contractual life of outstanding share options">5.70</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Range of exercise prices of options outstanding at year end (US$)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Zero to US$ 0.10</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_901_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zPK1quRspNS1" title="Range of exercise prices remaining at year end">28.65</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zcS2fTzsG2m9" title="Range of exercise prices remaining at year end">45.07</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_902_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zkFTHyDHQaKi" title="Range of exercise prices remaining at year end">51.96</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">US$ 0.11 to US$ 0.50</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zSRGMB9G60L4" title="Range of exercise prices remaining at year end">32.63</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_906_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zLi4j2mX9ZT2" title="Range of exercise prices remaining at year end">28.20</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zUF9Vz8RdHH5" title="Range of exercise prices remaining at year end">28.58</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">US$ 0.51 to US$ 15.00</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zA62ulqGQyok" title="Range of exercise prices remaining at year end">38.72</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zhSLbWhA3ng5" title="Range of exercise prices remaining at year end">26.73</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zmX8hZRFzh3" title="Range of exercise prices remaining at year end">19.46</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Greater than US$ 15.01</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total cash to be received upon exercise of SOPs outstanding at year end</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Vested</span></td> <td id="xdx_981_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20230101__20231231_zj2Etah2mZxf" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">50,403</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20220101__20221231_z721hEUgUCe4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">44,849</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20210101__20211231_z1t2OBAvuiej" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">33,437</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 59%; text-align: left"><span style="font-size: 8pt">Unvested</span></td> <td id="xdx_980_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20230101__20231231_zQyfux59LYOf" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">12,125</span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_98C_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20220101__20221231_z4Vkn6nMzIg7" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">28,169</span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_987_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20210101__20211231_zXTHt7h41HTf" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">46,146</span></td></tr> </table> <p id="xdx_8A5_zA8YJvtX8ps" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following table presents additional information related to the RSUs and Awards characteristics and the valuation model:</p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory_pn3n3_zBuQN18jEgN" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 3)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zn9TCwEGy9w6" style="display: none">Schedule of RSUs and Awards characteristics and the valuation model</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 67%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Most relevant vesting periods for the grants outstanding</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">3 years</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20231231_zJ7Z9yMBB2D4" title="Most relevant vesting periods for the grants outstanding">55.81</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20221231_zfl3EabiYHvb" title="Most relevant vesting periods for the grants outstanding">53.52</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">5 years</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20231231_zVISFY9iiva4" title="Most relevant vesting periods for grants outstanding1">34.69</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20221231_zAv0b4Sc03N" title="Most relevant vesting periods for grants outstanding1">39.95</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted-Average awards vesting period</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--DescriptionOfAwardsVestingPeriod_c20230101__20231231_zI6upAep6eE4" title="Description of awards vesting period">3.8 years</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--DescriptionOfAwardsVestingPeriod_c20220101__20221231_zKwzGrqmSMZj" title="Description of awards vesting period">Up to 3.2 years</span></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/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.5in"><b>b)</b></td><td style="text-align: justify"><b>Contingent Share Award (CSA) termination</b></td></tr></table> <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 Officer, terminated the 2021 Contingent Share Award. As a result of the termination, the Company recorded expenses of US$<span id="xdx_90E_eifrs-full--TerminationBenefitsExpense_pn3n3_c20221128__20221129__srt--TitleOfIndividualAxis__srt--ChiefExecutiveOfficerMember_zWWcx8yaZCnl" title="Termination expenses">355,573</span> due to the acceleration of the vesting. After such one-time recognition, the Company has not been recognizing accounts for any expense associated with the 2021 Contingent Share Award. Such termination did not impact The Company's cash flows and did not create any dilution for the Company's shareholders.<br/> <br/> The 2021 Contingent Share Award was granted on November 22, 2021 and its main terms were: <span id="xdx_901_eifrs-full--InformationAboutHowFairValueWasMeasuredShareOptionsGranted_c20211121__20211122__ifrs-full--RangesOfExercisePricesForOutstandingShareOptionsAxis__custom--ContingentShareAward2021Member_zH3nPflbrFIe" title="Issuance of shares, description">(i) issuance of a number of class A ordinary shares equal to 1% 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$18.69 per share but less than US$35.30 per share; and (ii) issuance of a number of class A ordinary shares equal to 1% 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$35.30 per share.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--ScheduleOfContingentShareAwardGrantedTableTextBlock_pn3n3_zHixDGwXdoB" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 4)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B8_zjpUQHD4VoRa" style="display: none">Schedule of contingent share award</span></td> <td id="xdx_494_20230101__20231231_zkcJSf5YZ6Pg" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_492_20220101__20221231_zzLOnKYugGLd" style="padding: 2pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 67%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</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></tr> <tr id="xdx_400_ecustom--ContingentShareAwardTermination_pn3n3_zd4qITq9MFga" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Contingent share award termination</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2076">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">355,573</span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Awards After The Grant Date Explanatory
DisclosureOfAwardsAfterTheGrantDateExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--DisclosureOfAwardsAfterTheGrantDateExplanatory_zAxsofIeT5C" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B7_zmNa4VJR4HZ1" style="display: none">Schedule of changes in the number of SOPs and RSUs</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; vertical-align: bottom; 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> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 38%; text-align: left"><span style="font-size: 8pt"><b>SOPs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAEP (US$)</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: 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; vertical-align: bottom; 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on January 1</b></span></td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20230101__20231231_zM1D3ijG2wwj" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iS_pip0_c20230101__20231231_zJ95XNNV3rw3" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20220101__20221231_z2C9jRGFvkLf" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iS_pip0_c20220101__20221231_z1L0oo4Vqvab" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iS_pip0_c20210101__20211231_zF9BN1FHXmfd" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>42,515,821</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iS_pip0_c20210101__20211231_z1EKMBGoH5vk" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>1.58</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Granted during the year</span></td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementGranted_pip0_c20210101__20211231_zHHTevehhA1k" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">1,141,362</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceGranted_pip0_c20210101__20211231_zQwIWPm2w0Be" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">23.75</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Exercised during the year</span></td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20230101__20231231_zOyZDYwPiW08" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(39,100,504)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceExercised_pip0_c20230101__20231231_zXe71PFOnE9d" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.21</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20220101__20221231_z65wpv40FJS8" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(37,095,966)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePriceExercised_pip0_c20220101__20221231_zz7qxwM7XL87" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.12</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementExercised_pip0_c20210101__20211231_zOml4UJ274nf" style="padding: 2pt; text-align: right" title="Exercised during the year"><span style="font-size: 8pt">(18,822,551)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceExercised_pip0_c20210101__20211231_zVBsvExd7wYg" style="padding: 2pt; text-align: right" title="Exercised during the year per share"><span style="font-size: 8pt">0.38</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Forfeited during the year</span></td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20230101__20231231_z8GZlTM95mP3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(2,233,761)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20220101__20221231_zvfrt9X3S0tl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(5,517,146)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementForfeited_pip0_c20210101__20211231_zkhPMwrMNzb2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(853,059)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20230101__20231231_zFfExBuaiKK5" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>59,942,062</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20230101__20231231_z5tlq9XgSXY6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>1.04</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20220101__20221231_z0ncAoFgUex6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20220101__20221231_zuTuGAKD90N5" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--WeightedAverageFairValueAtMeasurementBefore_iE_pip0_c20210101__20211231_zjfOelqNMc2b" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>23,981,573</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore_iE_pip0_c20210101__20211231_zyWsFAN2yqJ6" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split per share"><span style="font-size: 8pt"><b>3.01</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of options due to 6-for-1 forward split</span></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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAIssuanceOfOptions_pip0_c20210101__20211231_zKVkYg9UccWa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Issuance of options due to 6-for-1 forward split"><span style="font-size: 8pt">119,907,866</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on December 31</b></span></td> <td id="xdx_982_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20230101__20231231_ztgc5pjBOn7h" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>59,942,062</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--WeightedAverageSharePrice_iE_pip0_c20230101__20231231_z3uct6BdSqU5" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>1.04</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20220101__20221231_zzRAIy16RvQl" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>101,276,327</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice_iE_pip0_c20220101__20221231_zzL2n9QgTZll" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>0.72</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding_iE_pip0_c20210101__20211231_zXipVnd9Vwye" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>143,889,439</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice_iE_pip0_c20210101__20211231_zvXgra2uqRok" style="padding: 2pt; text-align: right" title="Outstanding on December 31 per share"><span style="font-size: 8pt"><b>0.55</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Exercisable on December 31</b></span></td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20231231_z7CyqquAwx8g" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>53,561,964</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageSharePrice1_iI_pip0_c20231231_zRVqAnRBYlqj" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.94</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20221231_zwI12cBVS3t2" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>81,813,095</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePrice1_iI_pip0_c20221231_zh4AarCjcJBl" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.55</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1_iI_pip0_c20211231_zRJK19dZf2Jj" style="padding: 2pt; text-align: right" title="Exercisable on December 31"><span style="font-size: 8pt"><b>101,416,310</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice1_iI_pip0_c20211231_znxFuxf0aRqi" style="padding: 2pt; text-align: right" title="Weighted average share price1"><span style="font-size: 8pt"><b>0.33</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"> </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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 37%; text-align: left"><span style="font-size: 8pt"><b>RSUs</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: center"> </td> <td style="border-bottom: black 1pt solid; width: 8%; background-color: white; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><span style="font-size: 8pt"><b>WAGDFV (US$)</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: 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></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on January 1</b></span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20230101__20231231_zoPrNujgBBTk" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iS_pip0_c20230101__20231231_zpLgfq4M9PTl" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20220101__20221231_zv2ULfKALJD7" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageSharePrice2_iS_pip0_c20220101__20221231_zVYvytJ5Rc02" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>4.82</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iS_pip0_c20210101__20211231_zCvjt2Akk7Xa" style="padding: 2pt; text-align: right" title="Outstanding on January 1"><span style="font-size: 8pt"><b>5,294,454</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageSharePrice2_iS_pip0_c20210101__20211231_zSl6WqWNzFoj" style="padding: 2pt; text-align: right" title="Outstanding on January 1 per share"><span style="font-size: 8pt"><b>10.47</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Granted during the year</span></td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20230101__20231231_z7A19WxDxwo8" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">35,823,472</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceGranted2_pip0_c20230101__20231231_znO1f6qPdLKi" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">4.97</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20220101__20221231_zNF9uA4bdod9" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">32,294,522</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageSharePriceGranted2_pip0_c20220101__20221231_zsYVFj3mkH24" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">5.47</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueAtMeasurementOneGranted_pip0_c20210101__20211231_zfZKEr9DtEJ6" style="padding: 2pt; text-align: right" title="Granted during the year"><span style="font-size: 8pt">13,103,243</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--WeightedAverageSharePriceGranted2_pip0_c20210101__20211231_z1nfBcXWbjf2" style="padding: 2pt; text-align: right" title="Granted during the year per share"><span style="font-size: 8pt">36.65</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Vested during the year</span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20230101__20231231_z9teFKp6BsZ1" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(29,212,440)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceExercised2_pip0_c20230101__20231231_z7nqANr4CXM" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">4.45</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20220101__20221231_zS7B4cDb5eF8" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(27,322,614)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceExercised2_pip0_c20220101__20221231_zTIZitUcDIAe" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">3.64</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WeightedAverageFairValueAtMeasurementVested_pip0_c20210101__20211231_zi0Mdne2keig" style="padding: 2pt; text-align: right" title="Vested during the year"><span style="font-size: 8pt">(3,092,289)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePriceExercised2_pip0_c20210101__20211231_zSmNW4KMWuXa" style="padding: 2pt; text-align: right" title="Weighted average share price exercised2"><span style="font-size: 8pt">15.06</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 37%; text-align: left"><span style="font-size: 8pt">Forfeited during the year</span></td> <td id="xdx_984_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20230101__20231231_z2eECVeBCDy8" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(12,500,866)</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: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20220101__20221231_zjVbnkrWuQOh" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(13,494,950)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueAtMeasurementOneForfeited_pip0_c20210101__20211231_zOBDQc9uFA55" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Forfeited during the year"><span style="font-size: 8pt">(1,817,919)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balances before 6-for-1 forward share split</b></span></td> <td id="xdx_988_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20230101__20231231_zQxFR0wIfyG7" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>66,512,061</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20230101__20231231_z6Vi8srWKtk4" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>5.66</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20220101__20221231_zl3RvfiMNRTg" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20220101__20221231_zbEMs9aiUcw3" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementOneBefore_iE_pip0_c20210101__20211231_zsqEQWnVSWff" style="padding: 2pt; text-align: right" title="Balances before 6-for-1 forward share split"><span style="font-size: 8pt"><b>13,487,489</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WeightedAverageSharePriceBefore1_iE_pip0_c20210101__20211231_zWVxtAQ5hg8g" style="padding: 2pt; text-align: right" title="Weighted average share price before1"><span style="font-size: 8pt"><b>28.91</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of RSUs due to 6-for-1 forward split</span></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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageFairValueAIssuanceOfOneOptions_pip0_c20210101__20211231_zS4AmBxfbOe1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Issuance of RSUs due to 6-for-1 forward split"><span style="font-size: 8pt">67,437,448</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Outstanding on December 31</b></span></td> <td id="xdx_98E_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20230101__20231231_z8eWybslm8Sk" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>66,512,061</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageSharePrice2_iI_pip0_c20231231_zFyMZExiSQDe" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>5.66</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20220101__20221231_zEkW8cunZA2j" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>72,401,895</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--WeightedAverageSharePrice2_iI_pip0_c20221231_z5JLRhWKs9q9" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>5.46</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne_iE_pip0_c20210101__20211231_zZkqhWigGuza" style="padding: 2pt; text-align: right" title="Outstanding on December 31"><span style="font-size: 8pt"><b>80,924,937</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--WeightedAverageSharePrice2_iI_pip0_c20211231_z52UhuDmqjZf" style="padding: 2pt; text-align: right" title="Weighted average share price2"><span style="font-size: 8pt"><b>4.82</b></span></td></tr> </table> | |
| 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 | |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Granted
WeightedAverageFairValueAtMeasurementGranted
|
1141362 | shares |
| CY2021 | nu |
Weighted Average Share Price Granted
WeightedAverageSharePriceGranted
|
23.75 | |
| CY2023 | nu |
Weighted Average Fair Value At Measurement Exercised
WeightedAverageFairValueAtMeasurementExercised
|
-39100504 | shares |
| CY2023 | nu |
Weighted Average Share Price Exercised
WeightedAverageSharePriceExercised
|
0.21 | |
| 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 | |
| CY2023 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-2233761 | shares |
| CY2022 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-5517146 | shares |
| CY2021 | nu |
Weighted Average Fair Value At Measurement Forfeited
WeightedAverageFairValueAtMeasurementForfeited
|
-853059 | shares |
| CY2023Q4 | nu |
Weighted Average Fair Value At Measurement Before
WeightedAverageFairValueAtMeasurementBefore
|
59942062 | shares |
| CY2023Q4 | nu |
Weighted Average Share Price Before
WeightedAverageSharePriceBefore
|
1.04 | |
| 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 | |
| CY2021 | nu |
Weighted Average Fair Value A Issuance Of Options
WeightedAverageFairValueAIssuanceOfOptions
|
119907866 | shares |
| CY2023Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding
|
59942062 | shares |
| CY2023Q4 | nu |
Weighted Average Share Price
WeightedAverageSharePrice
|
1.04 | |
| 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 | |
| CY2023Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding1
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstanding1
|
53561964 | shares |
| CY2023Q4 | nu |
Weighted Average Share Price1
WeightedAverageSharePrice1
|
0.94 | |
| 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 | |
| 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 | |
| CY2023 | nu |
Weighted Average Fair Value At Measurement One Granted
WeightedAverageFairValueAtMeasurementOneGranted
|
35823472 | shares |
| CY2023 | nu |
Weighted Average Share Price Granted2
WeightedAverageSharePriceGranted2
|
4.97 | |
| 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 | |
| CY2023 | nu |
Weighted Average Fair Value At Measurement Vested
WeightedAverageFairValueAtMeasurementVested
|
-29212440 | shares |
| CY2023 | nu |
Weighted Average Share Price Exercised2
WeightedAverageSharePriceExercised2
|
4.45 | |
| 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 | |
| CY2023 | nu |
Weighted Average Fair Value At Measurement One Forfeited
WeightedAverageFairValueAtMeasurementOneForfeited
|
-12500866 | shares |
| 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 |
| CY2023Q4 | nu |
Weighted Average Fair Value At Measurement One Before
WeightedAverageFairValueAtMeasurementOneBefore
|
66512061 | shares |
| CY2023Q4 | nu |
Weighted Average Share Price Before1
WeightedAverageSharePriceBefore1
|
5.66 | |
| 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 | |
| CY2021 | nu |
Weighted Average Fair Value A Issuance Of One Options
WeightedAverageFairValueAIssuanceOfOneOptions
|
67437448 | shares |
| CY2023Q4 | nu |
Weighted Average Fair Value At Measurement Date Share Options Outstanding One
WeightedAverageFairValueAtMeasurementDateShareOptionsOutstandingOne
|
66512061 | shares |
| CY2023Q4 | nu |
Weighted Average Share Price2
WeightedAverageSharePrice2
|
5.66 | |
| 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 | |
| CY2023 | nu |
Sop And Rsu Expenses And Related Corporate And Social Security Taxes Expenses
SopAndRsuExpensesAndRelatedCorporateAndSocialSecurityTaxesExpenses
|
256103000 | usd |
| 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 |
| CY2023 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
13400000 | usd |
| CY2022 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
43116000 | usd |
| CY2021 | nu |
Rsus And Sops Grant Business Combination
RsusAndSopsGrantBusinessCombination
|
45597000 | usd |
| CY2023 | nu |
Awards Expenses And Related Taxes Prior To Cancelation
AwardsExpensesAndRelatedTaxesPriorToCancelation
|
19814000 | 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 |
| CY2023 | nu |
Fair Value Adjustment Hedge Of Corporate And Social Security Taxes Note18
FairValueAdjustmentHedgeOfCorporateAndSocialSecurityTaxesNote18
|
-33703000 | usd |
| CY2022 | nu |
Fair Value Adjustment Hedge Of Corporate And Social Security Taxes Note18
FairValueAdjustmentHedgeOfCorporateAndSocialSecurityTaxesNote18
|
3995000 | usd |
| CY2023 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
255614000 | usd |
| CY2022 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
286450000 | usd |
| CY2021 | nu |
Total Sharebased Compensation Expenses Note8
TotalSharebasedCompensationExpensesNote8
|
225445000 | usd |
| CY2023 | nu |
Equity Sharebased Compensation Net Of Shares Withheld For Employee Taxes
EquitySharebasedCompensationNetOfSharesWithheldForEmployeeTaxes
|
160309000 | usd |
| CY2022 | nu |
Equity Sharebased Compensation Net Of Shares Withheld For Employee Taxes
EquitySharebasedCompensationNetOfSharesWithheldForEmployeeTaxes
|
201991000 | usd |
| CY2021 | nu |
Equity Sharebased Compensation Net Of Shares Withheld For Employee Taxes
EquitySharebasedCompensationNetOfSharesWithheldForEmployeeTaxes
|
139025000 | usd |
| CY2023 | nu |
Liability Provision For Taxes Presented As Salaries Allowances And Social Security Contributions
LiabilityProvisionForTaxesPresentedAsSalariesAllowancesAndSocialSecurityContributions
|
66075000 | 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 |
| CY2023 | nu |
Disclosure Of Presents Additional Information Relating To The Sop Explanatory
DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheSOPExplanatory_pn3n3_zUio6ZQryYih" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 2)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B2_zAFee5GMOFm9" style="display: none">Schedule of SOP characteristics and the valuation model</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 59%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionsGrantedDuringYear_iI_pip0_c20211231_zF2Ku5f221Z9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of options granted during the year"><span style="font-size: 8pt">2.58</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average share fair value of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--WeightedAverageFairValueOfOptionGranted1_iI_pip0_c20211231_zbuqNpPbqTZ6" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted1"><span style="font-size: 8pt">3.97</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Exercise price of options granted during the year (US$)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGranted_iI_pip0_c20211231_zMFsPtwyhAMi" title="Weighted average fair value of option granted maximum">3.98</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Expected volatility in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMinimum_iI_pip0_dp_c20211231_zz1ZZK590IYe" title="Weighted average fair value of option granted percentage minimum">72.5</span> and <span id="xdx_90F_ecustom--WeightedAverageFairValueOfOptionGrantedPercentageMaximum_iI_pip0_dp_c20211231_z9cvKieIilS4" title="Weighted average fair value of option granted percentage maximum">75.0</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Risk–free interest rate p.y. in valuation of options granted during the year (%)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--RiskfreeInterestRate_iI_pip0_dp_c20211231_zSgevuQDRwS8" title="Risk free interest rate P minimum">0.50</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted average share price at the date of exercise of options during the year (US$)</span></td> <td id="xdx_983_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20231231_zP2cbh9NBdz2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">6.37</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20221231_zJZYKoWvacVk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">7.72</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageFairValueOfOptionGranted2_iI_pip0_c20211231_zCSUvMQS2m5h" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Weighted average fair value of option granted2"><span style="font-size: 8pt">6.38</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted Average remaining contractual life of options outstanding at year-end</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20230101__20231231_zJGeGezLaxQ3" title="Weighted average remaining contractual life of outstanding share options">4.78</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90F_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20220101__20221231_zOifMBHFE9Jb" title="Weighted average remaining contractual life of outstanding share options">4.80</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_901_eifrs-full--WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_dtY_c20210101__20211231_zzi5SCUBLGk5" title="Weighted average remaining contractual life of outstanding share options">5.70</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Range of exercise prices of options outstanding at year end (US$)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Zero to US$ 0.10</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_901_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zPK1quRspNS1" title="Range of exercise prices remaining at year end">28.65</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zcS2fTzsG2m9" title="Range of exercise prices remaining at year end">45.07</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_902_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zkFTHyDHQaKi" title="Range of exercise prices remaining at year end">51.96</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">US$ 0.11 to US$ 0.50</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zSRGMB9G60L4" title="Range of exercise prices remaining at year end">32.63</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_906_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zLi4j2mX9ZT2" title="Range of exercise prices remaining at year end">28.20</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zUF9Vz8RdHH5" title="Range of exercise prices remaining at year end">28.58</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">US$ 0.51 to US$ 15.00</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_909_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zA62ulqGQyok" title="Range of exercise prices remaining at year end">38.72</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_904_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zhSLbWhA3ng5" title="Range of exercise prices remaining at year end">26.73</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span id="xdx_90A_ecustom--RangeOfExercisePricesRemainingAtYearEnd_iI_pip0_dp_c20211231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeYearsAndNotLaterThanFourYearsMember_zmX8hZRFzh3" title="Range of exercise prices remaining at year end">19.46</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Greater than US$ 15.01</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total cash to be received upon exercise of SOPs outstanding at year end</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Vested</span></td> <td id="xdx_981_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20230101__20231231_zj2Etah2mZxf" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">50,403</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20220101__20221231_z721hEUgUCe4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">44,849</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested_pip0_c20210101__20211231_z1t2OBAvuiej" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Vested"><span style="font-size: 8pt">33,437</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 59%; text-align: left"><span style="font-size: 8pt">Unvested</span></td> <td id="xdx_980_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20230101__20231231_zQyfux59LYOf" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">12,125</span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_98C_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20220101__20221231_z4Vkn6nMzIg7" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">28,169</span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_987_ecustom--WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested_pip0_c20210101__20211231_zXTHt7h41HTf" style="padding: 2pt; vertical-align: bottom; width: 13%; text-align: right" title="Unvested"><span style="font-size: 8pt">46,146</span></td></tr> </table> | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Options Granted During Year
WeightedAverageFairValueOfOptionsGrantedDuringYear
|
2.58 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted1
WeightedAverageFairValueOfOptionGranted1
|
3.97 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted
WeightedAverageFairValueOfOptionGranted
|
3.98 | |
| 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 |
| CY2021Q4 | nu |
Riskfree Interest Rate
RiskfreeInterestRate
|
0.0050 | pure |
| CY2023Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
6.37 | |
| CY2022Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
7.72 | |
| CY2021Q4 | nu |
Weighted Average Fair Value Of Option Granted2
WeightedAverageFairValueOfOptionGranted2
|
6.38 | |
| CY2023 | ifrs-full |
Weighted Average Remaining Contractual Life Of Outstanding Share Options2019
WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019
|
P4Y9M10D | |
| 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 | |
| CY2023 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Vested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrVested
|
50403 | shares |
| 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 |
| CY2023 | nu |
Weighted Average Exercise Price Of Other Equity Instruments Exercised Or Unvested
WeightedAverageExercisePriceOfOtherEquityInstrumentsExercisedOrUnvested
|
12125 | 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 |
| CY2023 | nu |
Disclosure Of Presents Additional Information Relating To The Rs Us Explanatory
DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--DisclosureOfPresentsAdditionalInformationRelatingToTheRSUsExplanatory_pn3n3_zBuQN18jEgN" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Share-based payments (Details 3)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zn9TCwEGy9w6" style="display: none">Schedule of RSUs and Awards characteristics and the valuation model</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 67%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Most relevant vesting periods for the grants outstanding</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">3 years</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_902_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20231231_zJ7Z9yMBB2D4" title="Most relevant vesting periods for the grants outstanding">55.81</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_903_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding_iI_pip0_dp_c20221231_zfl3EabiYHvb" title="Most relevant vesting periods for the grants outstanding">53.52</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">5 years</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90C_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20231231_zVISFY9iiva4" title="Most relevant vesting periods for grants outstanding1">34.69</span>%</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_901_ecustom--MostRelevantVestingPeriodsForGrantsOutstanding1_iI_pip0_dp_c20221231_zAv0b4Sc03N" title="Most relevant vesting periods for grants outstanding1">39.95</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Weighted-Average awards vesting period</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90D_ecustom--DescriptionOfAwardsVestingPeriod_c20230101__20231231_zI6upAep6eE4" title="Description of awards vesting period">3.8 years</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><span id="xdx_90F_ecustom--DescriptionOfAwardsVestingPeriod_c20220101__20221231_zKwzGrqmSMZj" title="Description of awards vesting period">Up to 3.2 years</span></span></td></tr> </table> | |
| CY2023Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding
MostRelevantVestingPeriodsForGrantsOutstanding
|
0.5581 | pure |
| CY2022Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding
MostRelevantVestingPeriodsForGrantsOutstanding
|
0.5352 | pure |
| CY2023Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding1
MostRelevantVestingPeriodsForGrantsOutstanding1
|
0.3469 | pure |
| CY2022Q4 | nu |
Most Relevant Vesting Periods For Grants Outstanding1
MostRelevantVestingPeriodsForGrantsOutstanding1
|
0.3995 | pure |
| CY2023 | nu |
Description Of Awards Vesting Period
DescriptionOfAwardsVestingPeriod
|
3.8 years | |
| CY2022 | nu |
Description Of Awards Vesting Period
DescriptionOfAwardsVestingPeriod
|
Up to 3.2 years | |
| CY2022 | nu |
Contingent Share Award Termination
ContingentShareAwardTermination
|
355573000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Cash And Cash Equivalents Explanatory
DisclosureOfCashAndCashEquivalentsExplanatory
|
<p id="xdx_801_eifrs-full--DisclosureOfCashAndCashEquivalentsExplanatory_zNnyl8BgWePb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">11. <span id="xdx_824_zkXAWpTyyzRg">Cash and cash equivalents</span></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_884_ecustom--ScheduleOfCashAndCashEquivalentsTableTextBlock_zGHJDlW32qd5" 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; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B3_zRXhudZmlAOk" style="display: none">Schedule of cash and cash equivalents</span></td> <td id="xdx_49B_20231231_z0BisFIBqLNf" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20221231_z6Phpo1SKCt1" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 71%; 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>2023</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%; background-color: white; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_eifrs-full--MandatoryReserveDepositsAtCentralBanks_iI_pn3n3_zMsfugDG7XH3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,308,040</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">2,451,150</span></td></tr> <tr id="xdx_403_eifrs-full--BalancesWithBanks_iI_pn3n3_zXBCRA2VZDV1" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Bank balances</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,759,018</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,506,727</span></td></tr> <tr id="xdx_40E_eifrs-full--ShorttermInvestmentsClassifiedAsCashEquivalents_iI_pn3n3_zqjBDRaPKumg" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Short-term investments</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">854,846</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">153,743</span></td></tr> <tr id="xdx_407_eifrs-full--ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_iI_pn3n3_zl19XviV3VE1" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">61</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">59,519</span></td></tr> <tr id="xdx_401_eifrs-full--OtherCashAndCashEquivalents_iI_pn3n3_z7fFc3VoEdXi" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,475</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,177</span></td></tr> <tr id="xdx_409_eifrs-full--CashAndCashEquivalents_iI_pn3n3_zYxkdft6aBCc" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>5,923,440</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>4,172,316</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: 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, 2023 and 2022, was 100% and 99% of the Brazilian CDI rate, respectively, 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 Brazilian subsidiaries at the Central Bank of Brazil, the average rate of remuneration as of December 31, 2023 and 2022 was <span style="background-color: white">100% </span>of the Brazilian CDI rate, with daily maturity.</p> | |
| CY2023Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
3308040000 | usd |
| CY2022Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
2451150000 | usd |
| CY2023Q4 | ifrs-full |
Balances With Banks
BalancesWithBanks
|
1759018000 | usd |
| CY2022Q4 | ifrs-full |
Balances With Banks
BalancesWithBanks
|
1506727000 | usd |
| CY2023Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
854846000 | usd |
| CY2022Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
153743000 | usd |
| CY2023Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
61000 | usd |
| CY2022Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
59519000 | usd |
| CY2023Q4 | ifrs-full |
Other Cash And Cash Equivalents
OtherCashAndCashEquivalents
|
1475000 | usd |
| CY2022Q4 | ifrs-full |
Other Cash And Cash Equivalents
OtherCashAndCashEquivalents
|
1177000 | usd |
| CY2023Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
5923440000 | usd |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
4172316000 | usd |
| CY2023 | nu |
Disclosure Of Reclassification Of Financial Instruments Securities Explanatory
DisclosureOfReclassificationOfFinancialInstrumentsSecuritiesExplanatory
|
<p id="xdx_80A_ecustom--DisclosureOfReclassificationOfFinancialInstrumentsSecuritiesExplanatory_zr3vvRqZWzt4" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">12. <span id="xdx_820_zLkcRawQw8Ph">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_89F_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquesExplanatory_z9SSTW5o5SHe" 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"><span id="xdx_8B6_zw4pVWCF0tb5" style="display: none"> Schedule of financial instruments at FVTPL</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> <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> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td 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; 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: 8pt"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 31%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</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: 8pt"><b>No maturity</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: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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: 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 style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Brazil</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z8b0GD8eVWM9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">309,331</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zFqmK0VlzdK8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">309,353</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: 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: left"> </td> <td id="xdx_98D_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_znPVaKfG8x7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">309,353</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z7wn8GKcLat4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">163</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zaRqSpCBpoK5" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>309,331</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_ziBVgpHoJQt" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>309,353</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zu1cf93kq9gl" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>309,353</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zYd86oVU4Cm3" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>163</b></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: 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 style="padding: 2pt; text-align: left"> </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: 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 style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <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_98E_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zOTuOfh9LW8a" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zL9JL2v3asd9" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zlCKUyoamP3d" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zhn1aY4yXFO2" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">138</span></td></tr> <tr style="background-color: #E8E7FC"> <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_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zN7yl8PGg0yb" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">5,760</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zCsmzZQWZNtd" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">5,770</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zG8WVQFYgGl8" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">5,401</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zDv4KW4jr5g2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">369</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zajJKYJ6yH4g" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">3,712</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zYtIU8Kcvszb" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">186</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zNf1Gibf2eh1" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">186</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zmJe7UvhlPn8" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">84</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_z0y8oocbzoQg" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">102</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zCPvhCseOHAg" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,197</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_981_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_zpioiQuUXg9a" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">23,937</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_z1Uc3jEVx0i7" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">23,667</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_zTnAdPfgysFe" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">23,667</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_z2Q9OcI0qLTh" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">46,680</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity instrument (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_z5TT9oEp3vic" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">12,426</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_z4K0iK8hmCN4" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">13,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_zddv2mmeSTyi" style="padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt">13,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_zXCTEQrBQM0j" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">22,082</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_98D_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z1KnhuTwfUul" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z67LyVXDLPGk" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z4m1yWktLU4d" style="padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</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 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 style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zfEwtyFCdgz1" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">905</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zBou1KVAUH29" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z2QHC03Icuzi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">234</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: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zgVc9N0lmyQj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z1h4KMM6ZnSl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">16,976</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zhMIK3xxCXU6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>58,708</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zeW26t3Mb5Q9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>59,221</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zxs03VX0nSa6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt"><b>29,363</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zAuyDHsLVQfa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt"><b>5,486</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_ztI3lkmrNCTj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>24,372</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zpEcGcJIQKp3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>91,690</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231_zJwwWKKWdGDh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>368,039</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231_ziZl4NByztI6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>368,574</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231_zRFU3PfVEV26" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt"><b>29,363</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231_z7dFgXzAKhGh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt"><b>5,486</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231_zlvV1unnm4g6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>333,725</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_zuxkOdefGmJ6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>91,853</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; 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></tr> <tr> <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>Amounts in</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>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 41%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</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: 8pt"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Currency:</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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--BrazilianReaisMember_z9tLq2cRs0E8" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,681,223</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--BrazilianReaisMember_zGiKfH1h98oa" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">346,130</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_z4JmWbWq2lef" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">334,783</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_ziAqe3dqT6xk" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">63,401</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zmjYt2rZADa8" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">9,241</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zyUHVN4xLgCi" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">9,241</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zNr3fBTC3T1h" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">6,370</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zvfTINXB9YHd" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">6,370</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zMV1qm1rx9s2" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,098,602</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zIpA4JLJsXO1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">13,203</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjCtaBcyGMnc" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,826,954</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zTwdboFWtDH8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">22,082</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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231_zT39IDZx0Xq5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt"><b>368,574</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 id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_zHr5m32WXik" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt"><b>91,853</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; 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, 2023, the total fair value of these investments corresponded to US$13,199 (US$22,082 on December 31, 2022), classified as level 3 in the fair value hierarchy, as described in note 28.</td></tr> </table> <p id="xdx_8A0_zz6Uc4uF7xp" 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) Financial instruments at fair value through other comprehensive income ("FVTOCI")</p> <table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountsDeterminedUsingValuationTechniqueExplanatory1_zj9W9CjvktW" 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"><span id="xdx_8B5_z996RCHjFqwa" style="display: none">Schedule of financial instruments at FVTOCI</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </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="9" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</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: 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: 8pt"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 31%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</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: 8pt"><b>No maturity</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Government bonds (i)</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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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_98E_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_znwbR0rYYSmc" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">7,156,614</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zAtenpUEInx9" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">7,166,551</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zjVtfLkC48aa" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">509,084</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zDZEBoUknpP2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">6,657,467</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zSlEzrtpkWTk" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">8,222,115</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">United States of America</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zIArTJKofM6" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">125,975</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zONPF7uTpmog" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">126,914</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zrOdS1dt3lzk" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">126,914</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zWG6HT4pUPN9" style="padding: 2pt; text-align: right" title="Fair Value"><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_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_zFcH7oZb38e8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1,510</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_zZoffVVbSBe9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,407</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; vertical-align: bottom; 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: left"> </td> <td id="xdx_989_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_z8gSSklYHj33" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">1,407</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_z7u3tkUnZvn5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,382</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_z4i8ESt2ywy" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>7,284,099</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zuHKiWWAA3si" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>7,294,872</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>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zFWgaF9lip9c" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>509,084</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zKS7hGlF7bI3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>6,785,788</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zx0BmZzFpnx5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>8,394,681</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <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: 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </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--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zxPXLEbUyr8i" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1,243,377</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zcLdYFNsaOg7" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,243,841</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_z0VBQ3gHOeYj" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">95,206</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zk3ksMqOLm2c" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">1,148,635</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zyHJVUFPM2R4" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">788,948</span></td></tr> <tr style="background-color: white"> <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_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zkzERmVr1EIk" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">54,803</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zvtLVDGPBbQh" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">54,803</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zjo1Z9AsEEub" style="padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt">5,419</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_z6VkMLyioKj2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">49,384</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_z6E17XNrOvyc" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">302,779</span></td></tr> <tr style="background-color: #E8E7FC"> <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--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zX3EJtirG0L4" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">193,928</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zQ7FVXKm4ltd" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">194,390</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zzUJzkfdHSf1" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">194,390</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zcZji6nVKKib" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">445,531</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_z5sNFmrCmDrd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">17,624</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zQywum2Wjnsh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">17,839</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; vertical-align: bottom; 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: left"> </td> <td id="xdx_98B_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_z7JtW7ot1uq3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">17,839</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zwbDavXccoJg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">15,199</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z01k1SmkPMgc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>1,509,732</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zdBpoE7WGXp2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>1,510,873</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zLswKj2pMJMk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt"><b>5,419</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zuRHcfM9w8B6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>289,596</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zkFzQ0bsRPie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>1,215,858</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z1zru1xk59u1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>1,552,457</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231_zfxVt2kPgmif" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>8,793,831</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231_zgQNbB7HInI5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>8,805,745</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231_zVl7ltCyUYJb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt"><b>5,419</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231_zF6f5P5t8Iv" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>798,680</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231_z7UO95ndnVca" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>8,001,646</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z1YYxtcrY1r8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>9,947,138</b></span></td></tr> </table> <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> <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="3" 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>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="3" 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>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 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: 41%; 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: 14%; 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: 19%; 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: 11%; 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: 11%; 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_98F_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zUABcxpMe3r1" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">37,333,260</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_ztcDSYhoVuu" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">7,686,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zB4W7pUvhVYa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><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_98E_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zuaB2sd1r99l" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">8,622,049</span></td></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_c20230101__20231231__srt--CurrencyAxis__currency--USD_zZ0dgh6KQ6yb" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,118,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--USD_zlD7vHKopos9" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,118,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zEWe5yYpCX72" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zKr1LbVr8pLk" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,323,707</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_98F_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zoz7vIEKVa6h" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">23,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_z5JKP97zcxU9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,407</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zJqxQ4JJmS32" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><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_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_z7KkfQAfVTJe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,382</span></td></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--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231_zcU0bNZ8Hti3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%"><b>8,805,745</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_983_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z63jllj0hbch" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Includes US$23,050 (US$2,252,464 on December 31, 2022) held by the subsidiaries for regulatory purposes, as required by the Central Bank of Brazil. It also includes Brazilian government securities margins pledged by the Group for transactions on the Brazilian stock exchange in the amount of US$130,150 (US$160,485 on December 31, 2022). Government bonds are classified as Level 1 in the fair value hierarchy, as described in note 28.</td></tr> </table> <p id="xdx_8A0_zBOd5K1PwKza" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group has corporate bonds and debentures classified as FVTOCI for which ECL measured for December 31, 2023 was US$<span id="xdx_90E_eifrs-full--ProceedsFromIssueOfBondsNotesAndDebentures_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--FVTOCIMember_zmZ5kaLyCZp" title="Corporate bonds and debentures">2,169</span>, as shown in note 7 and the exposure was classified as Stage 1. There was no transfer between stages during the year ended on December 31, 2023.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Financial instruments at amortized cost</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--DescriptionOfDifferenceBetweenFinancialInstrumentsAtamortizedCost_zySwbkQ2qH3d" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_z4lFasSNK2D8" style="display: none">Schedule of financial instruments 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; vertical-align: bottom; 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; vertical-align: bottom; 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></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: 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="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; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at amortized 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: 12%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</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>No maturity</b></span></td> <td style="padding: 2pt; vertical-align: bottom; 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 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; vertical-align: bottom; 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>Amortized</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td></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>Sovereign 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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%">Sovereign bonds (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_z79gzG4WbvMc" style="padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%">52,650</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zyEFGhtJ9cy2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2365">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zLdZawX5cwHe" style="padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%">52,650</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zazT6tNuAnfg" style="padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2369">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zMFrcMiMXVff" style="padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2371">-</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%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z5njaSwoT31i" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%">51,770</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zVSPcCK4wLnf" 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%"><span style="-sec-ix-hidden: xdx2ixbrl2375">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zRWWJhGG7EQc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%">51,770</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zmSRWtplznN4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2379">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z4mnAEHQDy43" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2381">-</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%"><b>Total sovereign bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zu5YXwdsLAn2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zCKEZew8GaHk" 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><span style="-sec-ix-hidden: xdx2ixbrl2385">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_z6AI0fUSbM9j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zIxiahzKvtnk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2389">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_z5GqzVouEba3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2391">-</span></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 amortized cost</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231_zViXER7fcnL1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231_zoU04HF3DsLc" 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><span style="-sec-ix-hidden: xdx2ixbrl2395">-</span></b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231_zKLnrrwwRtA9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231_zWGJyD75FKg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2399">-</span></b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231_zx57PTeHSx3l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2401">-</span></b></span></td></tr> </table> <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; margin-top: 0.1in; margin-bottom: 0.1in"> <tr> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <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>Amounts in</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>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left"><span style="font-size: 8pt">Financial instruments at amortized cost</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: 8pt"><b>Original Currency</b></span></td> <td style="border-top: black 1pt solid; padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</b></span></td> <td style="border-top: black 1pt solid; padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Currency:</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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zk7EIEg0LEGh" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt">255,732</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zA57L9Mxk335" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt">52,650</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_z3quNP6dL1i6" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2407">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zoIcpNlqD0x4" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2409">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zLMN1pLRoO5l" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt">878,640</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zu4Iq6LFbFxb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt">51,770</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjtKKrwYf837" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2415">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zsqgMe9UDblh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2417">-</span></span></td></tr> <tr style="background-color: white"> <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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231_zDgXNnGk6qdl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><b>104,420</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 id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231_zSlXLlxCPNBb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl2421">-</span></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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Refers to an investment in sovereign bonds with the intention to collect contractual cash flows.</td></tr> </table> <p id="xdx_8A7_z5VTXVZwjZX6" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2023 | nu |
Description Of Accounting Policy For Recognising Difference Between Fair Value At Initial Recognition And Amount Determined Using Valuation Techniques Explanatory
DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquesExplanatory
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<table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniquesExplanatory_z9SSTW5o5SHe" 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"><span id="xdx_8B6_zw4pVWCF0tb5" style="display: none"> Schedule of financial instruments at FVTPL</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> <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> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td 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; 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: 8pt"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 31%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</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: 8pt"><b>No maturity</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: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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: 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 style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Brazil</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z8b0GD8eVWM9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">309,331</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_zFqmK0VlzdK8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">309,353</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: 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: left"> </td> <td id="xdx_98D_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_znPVaKfG8x7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">309,353</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilMember_fKGkp_z7wn8GKcLat4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">163</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zaRqSpCBpoK5" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>309,331</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_ziBVgpHoJQt" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>309,353</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zu1cf93kq9gl" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>309,353</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMember_fKGkp_zYd86oVU4Cm3" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>163</b></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: 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 style="padding: 2pt; text-align: left"> </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: 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 style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <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_98E_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zOTuOfh9LW8a" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zL9JL2v3asd9" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zlCKUyoamP3d" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--BillOfCreditLCMember_zhn1aY4yXFO2" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">138</span></td></tr> <tr style="background-color: #E8E7FC"> <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_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zN7yl8PGg0yb" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">5,760</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zCsmzZQWZNtd" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">5,770</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zG8WVQFYgGl8" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">5,401</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zDv4KW4jr5g2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">369</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CertificateOfBankDepositsMember_zajJKYJ6yH4g" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">3,712</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zYtIU8Kcvszb" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">186</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zNf1Gibf2eh1" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">186</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zmJe7UvhlPn8" style="padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt">84</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_z0y8oocbzoQg" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">102</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgriBusinessLetterOfCreditMember_zCPvhCseOHAg" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,197</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_981_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_zpioiQuUXg9a" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">23,937</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_z1Uc3jEVx0i7" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">23,667</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_zTnAdPfgysFe" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">23,667</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondAndDebenturestMember_z2Q9OcI0qLTh" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">46,680</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity instrument (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_z5TT9oEp3vic" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">12,426</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_z4K0iK8hmCN4" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">13,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_zddv2mmeSTyi" style="padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt">13,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--EquityInstrumenttMember_zXCTEQrBQM0j" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">22,082</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_98D_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z1KnhuTwfUul" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z67LyVXDLPGk" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__ifrs-full--InvestmentFundsMember_fKGlpKQ_____z4m1yWktLU4d" style="padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt">16,164</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</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 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 style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zfEwtyFCdgz1" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">905</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness certificate of receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zBou1KVAUH29" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z2QHC03Icuzi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">234</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: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_zgVc9N0lmyQj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--RealEstateAndAgribusinessCertificateOfReceivablesMember_z1h4KMM6ZnSl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">16,976</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zhMIK3xxCXU6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>58,708</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zeW26t3Mb5Q9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>59,221</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zxs03VX0nSa6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt"><b>29,363</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zAuyDHsLVQfa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt"><b>5,486</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_ztI3lkmrNCTj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>24,372</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstrumentsMember_zpEcGcJIQKp3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>91,690</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231_zJwwWKKWdGDh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>368,039</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231_ziZl4NByztI6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>368,574</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FairValueNoMaturity1_pn3n3_c20230101__20231231_zRFU3PfVEV26" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="No maturity"><span style="font-size: 8pt"><b>29,363</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231_z7dFgXzAKhGh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Upto12 Months"><span style="font-size: 8pt"><b>5,486</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231_zlvV1unnm4g6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>333,725</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_zuxkOdefGmJ6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>91,853</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; 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></tr> <tr> <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>Amounts in</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>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 41%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTPL</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</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: 8pt"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Currency:</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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--BrazilianReaisMember_z9tLq2cRs0E8" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,681,223</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--BrazilianReaisMember_zGiKfH1h98oa" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">346,130</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_z4JmWbWq2lef" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">334,783</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--BrazilianReaisMember_ziAqe3dqT6xk" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">63,401</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">U.S. Dollars</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zmjYt2rZADa8" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">9,241</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zyUHVN4xLgCi" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">9,241</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zNr3fBTC3T1h" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">6,370</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--UnitedStateCurrencyMember_zvfTINXB9YHd" style="padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">6,370</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zMV1qm1rx9s2" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,098,602</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zIpA4JLJsXO1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">13,203</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValueOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjCtaBcyGMnc" style="padding: 2pt; text-align: right" title="Financial instruments fair value original currency"><span style="font-size: 8pt">1,826,954</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValueUS_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zTwdboFWtDH8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt">22,082</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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231_zT39IDZx0Xq5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt"><b>368,574</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 id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231_zHr5m32WXik" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments fair value"><span style="font-size: 8pt"><b>91,853</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; 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, 2023, the total fair value of these investments corresponded to US$13,199 (US$22,082 on December 31, 2022), classified as level 3 in the fair value hierarchy, as described in note 28.</td></tr> </table> | |
| CY2023 | nu |
Financial Instruments Cost
FinancialInstrumentsCost
|
368039000 | usd |
| CY2023 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
368574000 | usd |
| CY2023 | nu |
Fair Value No Maturity1
FairValueNoMaturity1
|
29363000 | usd |
| CY2023 | nu |
Fair Value Upto12 Months
FairValueUpto12Months
|
5486000 | usd |
| CY2023 | nu |
Fair Value Over12 Months
FairValueOver12Months
|
333725000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
91853000 | usd |
| CY2023 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
368574000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value
FinancialInstrumentsFairValue
|
91853000 | usd |
| CY2023 | nu |
Description Of Accounting Policy For Recognising Difference Between Fair Value At Initial Recognition And Amounts Determined Using Valuation Technique Explanatory1
DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountsDeterminedUsingValuationTechniqueExplanatory1
|
<table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountsDeterminedUsingValuationTechniqueExplanatory1_zj9W9CjvktW" 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"><span id="xdx_8B5_z996RCHjFqwa" style="display: none">Schedule of financial instruments at FVTOCI</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </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="9" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</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: 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: 8pt"><b>Maturities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 31%; text-align: left"><span style="font-size: 8pt"><b>Financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</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: 8pt"><b>No maturity</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Fair Value</b></span></td></tr> <tr> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Government bonds (i)</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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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_98E_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_znwbR0rYYSmc" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">7,156,614</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zAtenpUEInx9" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">7,166,551</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zjVtfLkC48aa" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">509,084</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zDZEBoUknpP2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">6,657,467</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsBrazilOneMember_zSlEzrtpkWTk" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">8,222,115</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">United States of America</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zIArTJKofM6" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">125,975</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zONPF7uTpmog" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">126,914</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zrOdS1dt3lzk" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">126,914</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsUnitedStatesMember_zWG6HT4pUPN9" style="padding: 2pt; text-align: right" title="Fair Value"><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_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_zFcH7oZb38e8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1,510</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_zZoffVVbSBe9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,407</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; vertical-align: bottom; 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: left"> </td> <td id="xdx_989_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_z8gSSklYHj33" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">1,407</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBondsMexicoMember_z7u3tkUnZvn5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,382</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total government bonds</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_z4i8ESt2ywy" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>7,284,099</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zuHKiWWAA3si" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>7,294,872</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>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zFWgaF9lip9c" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>509,084</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zKS7hGlF7bI3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>6,785,788</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--GovernmentBonds1Member_zx0BmZzFpnx5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>8,394,681</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <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: 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </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--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zxPXLEbUyr8i" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">1,243,377</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zcLdYFNsaOg7" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">1,243,841</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_z0VBQ3gHOeYj" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">95,206</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zk3ksMqOLm2c" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">1,148,635</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1DebenturesMember_zyHJVUFPM2R4" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">788,948</span></td></tr> <tr style="background-color: white"> <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_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zkzERmVr1EIk" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">54,803</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zvtLVDGPBbQh" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">54,803</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_zjo1Z9AsEEub" style="padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt">5,419</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_z6VkMLyioKj2" style="padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">49,384</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1InvestmentFundsMember_z6E17XNrOvyc" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">302,779</span></td></tr> <tr style="background-color: #E8E7FC"> <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--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zX3EJtirG0L4" style="padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">193,928</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zQ7FVXKm4ltd" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">194,390</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zzUJzkfdHSf1" style="padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt">194,390</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1TimeDepositMember_zcZji6nVKKib" style="padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">445,531</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_z5sNFmrCmDrd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt">17,624</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zQywum2Wjnsh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">17,839</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; vertical-align: bottom; 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: left"> </td> <td id="xdx_98B_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_z7JtW7ot1uq3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt">17,839</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1RealEstateAndAgribusinessMember_zwbDavXccoJg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt">15,199</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total corporate bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z01k1SmkPMgc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>1,509,732</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zdBpoE7WGXp2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>1,510,873</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zLswKj2pMJMk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt"><b>5,419</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zuRHcfM9w8B6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>289,596</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_zkFzQ0bsRPie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>1,215,858</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsFairValue_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--CorporateBondsAndOtherInstruments1Member_z1zru1xk59u1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>1,552,457</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total financial instruments at FVTOCI</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsCost1_pn3n3_c20230101__20231231_zfxVt2kPgmif" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Amortized Cost"><span style="font-size: 8pt"><b>8,793,831</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231_zgQNbB7HInI5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>8,805,745</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--FairValueNoMaturity_pn3n3_c20230101__20231231_zVl7ltCyUYJb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value no maturity"><span style="font-size: 8pt"><b>5,419</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--FairValueUpto12Months1_pn3n3_c20230101__20231231_zF6f5P5t8Iv" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Up to 12 months"><span style="font-size: 8pt"><b>798,680</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FairValueOver12Months1_pn3n3_c20230101__20231231_z7UO95ndnVca" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Maturities Over 12 months"><span style="font-size: 8pt"><b>8,001,646</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z1YYxtcrY1r8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair Value"><span style="font-size: 8pt"><b>9,947,138</b></span></td></tr> </table> <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> <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="3" 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>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="3" 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>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 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: 41%; 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: 14%; 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: 19%; 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: 11%; 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: 11%; 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_98F_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zUABcxpMe3r1" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">37,333,260</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_ztcDSYhoVuu" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">7,686,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zB4W7pUvhVYa" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><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_98E_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zuaB2sd1r99l" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">8,622,049</span></td></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_c20230101__20231231__srt--CurrencyAxis__currency--USD_zZ0dgh6KQ6yb" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,118,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--USD_zlD7vHKopos9" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,118,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zEWe5yYpCX72" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">1,323,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--USD_zKr1LbVr8pLk" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,323,707</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_98F_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zoz7vIEKVa6h" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><span style="font-size: 8pt; line-height: 115%">23,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_z5JKP97zcxU9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,407</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsFairValueOriginalCurrency1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zJqxQ4JJmS32" style="padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value original currency"><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_98D_ecustom--FinancialInstrumentsFairValueUS1_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_z7KkfQAfVTJe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%">1,382</span></td></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--FinancialInstrumentsFairValue1_pn3n3_c20230101__20231231_zcU0bNZ8Hti3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%"><b>8,805,745</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_983_ecustom--FinancialInstrumentsFairValue1_pn3n3_c20220101__20221231_z63jllj0hbch" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial instruments fair value"><span style="font-size: 8pt; line-height: 115%"><b>9,947,138</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Includes US$23,050 (US$2,252,464 on December 31, 2022) held by the subsidiaries for regulatory purposes, as required by the Central Bank of Brazil. It also includes Brazilian government securities margins pledged by the Group for transactions on the Brazilian stock exchange in the amount of US$130,150 (US$160,485 on December 31, 2022). Government bonds are classified as Level 1 in the fair value hierarchy, as described in note 28.</td></tr> </table> | |
| CY2023 | nu |
Financial Instruments Cost1
FinancialInstrumentsCost1
|
8793831000 | usd |
| CY2023 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
8805745000 | usd |
| CY2023 | nu |
Fair Value No Maturity
FairValueNoMaturity
|
5419000 | usd |
| CY2023 | nu |
Fair Value Upto12 Months1
FairValueUpto12Months1
|
798680000 | usd |
| CY2023 | nu |
Fair Value Over12 Months1
FairValueOver12Months1
|
8001646000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
9947138000 | usd |
| CY2023 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
8805745000 | usd |
| CY2022 | nu |
Financial Instruments Fair Value1
FinancialInstrumentsFairValue1
|
9947138000 | usd |
| CY2023 | nu |
Description Of Difference Between Financial Instruments Atamortized Cost
DescriptionOfDifferenceBetweenFinancialInstrumentsAtamortizedCost
|
<table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--DescriptionOfDifferenceBetweenFinancialInstrumentsAtamortizedCost_zySwbkQ2qH3d" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Securities (Details 2)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B3_z4lFasSNK2D8" style="display: none">Schedule of financial instruments 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; vertical-align: bottom; 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; vertical-align: bottom; 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></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: 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="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; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 40%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial instruments at amortized 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: 12%"> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Amortized</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</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>No maturity</b></span></td> <td style="padding: 2pt; vertical-align: bottom; 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 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; vertical-align: bottom; 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>Amortized</b></p> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Cost</b></p></td></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>Sovereign 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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%">Sovereign bonds (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_z79gzG4WbvMc" style="padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%">52,650</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zyEFGhtJ9cy2" style="padding: 2pt; text-align: right; line-height: 115%" title="Fair value no maturity"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2365">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zLdZawX5cwHe" style="padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%">52,650</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zazT6tNuAnfg" style="padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2369">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--SovereignBondsMember_zMFrcMiMXVff" style="padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2371">-</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%">Time deposit</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z5njaSwoT31i" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%">51,770</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zVSPcCK4wLnf" 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%"><span style="-sec-ix-hidden: xdx2ixbrl2375">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zRWWJhGG7EQc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%">51,770</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_zmSRWtplznN4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2379">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TimeDepositMember_z4mnAEHQDy43" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2381">-</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%"><b>Total sovereign bonds and other instruments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zu5YXwdsLAn2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zCKEZew8GaHk" 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><span style="-sec-ix-hidden: xdx2ixbrl2385">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_z6AI0fUSbM9j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_zIxiahzKvtnk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2389">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__ifrs-full--ClassesOfFinancialInstrumentsAxis__custom--TotalSovereignBondsAndOtherInstrumentsMember_z5GqzVouEba3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2391">-</span></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 amortized cost</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231_zViXER7fcnL1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostNoMaturity_pn3n3_c20230101__20231231_zoU04HF3DsLc" 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><span style="-sec-ix-hidden: xdx2ixbrl2395">-</span></b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCostUpto12Months_pn3n3_c20230101__20231231_zKLnrrwwRtA9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Up to 12 months"><span style="font-size: 8pt; line-height: 115%"><b>104,420</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostOver12Months_pn3n3_c20230101__20231231_zWGJyD75FKg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Maturities Over 12 months"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2399">-</span></b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231_zx57PTeHSx3l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Amortized Cost"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl2401">-</span></b></span></td></tr> </table> <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; margin-top: 0.1in; margin-bottom: 0.1in"> <tr> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <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>Amounts in</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>Amounts in</b></span></td></tr> <tr> <td style="padding: 2pt; width: 39%; text-align: left"><span style="font-size: 8pt">Financial instruments at amortized cost</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: 8pt"><b>Original Currency</b></span></td> <td style="border-top: black 1pt solid; padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Original Currency</b></span></td> <td style="border-top: black 1pt solid; padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>US$</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Currency:</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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian Reais</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zk7EIEg0LEGh" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt">255,732</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__srt--CurrencyAxis__currency--BRL_zA57L9Mxk335" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt">52,650</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_z3quNP6dL1i6" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2407">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__srt--CurrencyAxis__currency--BRL_zoIcpNlqD0x4" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2409">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zLMN1pLRoO5l" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt">878,640</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98D_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231__srt--CurrencyAxis__custom--OthersMember_zu4Iq6LFbFxb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt">51,770</span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCostOriginalCurrency_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zjtKKrwYf837" style="padding: 2pt; text-align: right" title="Financial instruments at amortized cost original currency"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2415">-</span></span></td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_98E_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231__srt--CurrencyAxis__custom--OthersMember_zsqgMe9UDblh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2417">-</span></span></td></tr> <tr style="background-color: white"> <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 style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20230101__20231231_zDgXNnGk6qdl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><b>104,420</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 id="xdx_987_ecustom--FinancialInstrumentsAtAmortizedCost_pn3n3_c20220101__20221231_zSlXLlxCPNBb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial instruments at amortized cost"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl2421">-</span></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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Refers to an investment in sovereign bonds with the intention to collect contractual cash flows.</td></tr> </table> | |
| CY2023 | nu |
Financial Instruments At Amortized Cost
FinancialInstrumentsAtAmortizedCost
|
104420000 | usd |
| CY2023 | nu |
Financial Instruments At Amortized Cost Upto12 Months
FinancialInstrumentsAtAmortizedCostUpto12Months
|
104420000 | usd |
| CY2023 | nu |
Financial Instruments At Amortized Cost
FinancialInstrumentsAtAmortizedCost
|
104420000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Credit Risk Explanatory
DisclosureOfCreditRiskExplanatory
|
<p id="xdx_80C_eifrs-full--DisclosureOfCreditRiskExplanatory_z7abVe1zfJ4a" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">13. <span id="xdx_82D_z7rdjOFfNZ33">Credit card receivables</span></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Composition of receivables</p> <table cellpadding="0" cellspacing="0" id="xdx_897_eifrs-full--DisclosureOfCompositionOfGroupExplanatory_znOYwsXGFIA8" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details)"> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B5_z7Y18mg2htl1" style="display: none">Schedule of composition of receivables</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20231231_zOpK2KF3D9i8" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_492_20221231_zL9MfKTVF2Da" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <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: 16%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 13%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</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></tr> <tr id="xdx_405_eifrs-full--TradeAndOtherCurrentReceivables_iI_pn3n3_z0NEqmm2SDFd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - current (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%">6,296,788</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_40B_ecustom--ReceivablesInstallmentsI_iI_pn3n3_zuhvzprc9OOl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - installments (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%">7,212,775</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%">4,259,979</span></td></tr> <tr id="xdx_409_ecustom--ReceivablesRevolvingIi_iI_pn3n3_zjz5vUHzXTq2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - revolving (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">978,741</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_408_eifrs-full--TradeAndOtherReceivables_iI_pn3n3_zTlZFnxML8Q9" 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>14,488,304</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></tr> <tr id="xdx_40A_ecustom--FairValueAdjustmentPortfolioHedge_iI_pn3n3_z8dRGVN76mGd" 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 19)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">32</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_40A_ecustom--Total_iI_pn3n3_z4K2jdAKse9d" 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>14,488,336</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--CreditCardEclAllowanceAbstract_iB_z2Tccm3fNsSa" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--PresentedAsDeductionOfReceivables_iI_pn3n3_z7HGfRCvmEIk" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,074,203)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,033,102)</span></td></tr> <tr id="xdx_40D_ecustom--PresentedAsOtherLiabilities_iI_pn3n3_zXP92hm31CDe" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as "Other liabilities" (note 26)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(22,066)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(17,566)</span></td></tr> <tr id="xdx_408_ecustom--TotalCreditCardEclAllowance_iI_pn3n3_zkfdWHKJF2Hl" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(2,096,269)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,050,668)</b></span></td></tr> <tr id="xdx_40C_ecustom--ReceivablesNet_iI_pn3n3_zXuN2FsgFYff" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables, net</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,392,067</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,215,506</b></span></td></tr> <tr id="xdx_40E_ecustom--TotalReceivablesPresentedAsAssets_iI_pn3n3_zKp82zqURXZ5" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,414,133</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,233,072</b></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/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">"Receivables - current" is related to purchases, withdrawals, payment slips ("<i>boleto</i>") and PIX (BACEN instant payments) financing made by customers due on the next credit card billing date. "Receivables - installments” is related to purchases in installments. Credit card receivables can be paid by Nu's clients in up to 12, 24 and 36 monthly installments in Brazil, Mexico and Colombia, respectively. The cardholder’s credit limit is initially reduced by the total amount and the installments become due and payable on the cardholder's subsequent monthly credit card statement. Brazil makes the corresponding payments to the credit card network (see note 22) 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, which comprise bills paid in installments through the credit card, banking payment slips ("<i>boleto</i>") and PIX financing in more than one installment.</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; width: 3%">(ii)</td> <td style="text-align: justify; 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_8AC_zMAdpUGm4fqe" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Breakdown by maturity</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_898_ecustom--ScheduleOfBreakdownByMaturity_zsxbXbpGQS9j" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zjBqV6fp5Wk2" style="display: none">Schedule of 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 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="3" 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>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="3" 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>2022</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 38%; 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>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: 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: 16%; 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: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables 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="vertical-align: bottom; 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_98F_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zjPAWOeglrS" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">6,263,292</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zLAPX88zxcH" title="Total receivables percertage">43.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zm89pRVeVJFl" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zhBLuF461yy" title="Total receivables percertage">43.5</span>%</span></td></tr> <tr 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%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zD3QUvjlGvH3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">2,485,690</span></td> <td style="padding: 2pt; text-align: 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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zzA795koO5aj" title="Total receivables percertage">17.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zQZ67upABt47" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_906_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zVEzbBh9dRec" title="Total receivables percertage">17.3</span>%</span></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%">> 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zIs9AUIO3IRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">4,327,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_904_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z2tEYtRh0Cgj" title="Total receivables percertage">29.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zi6yc1MyJFo8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90D_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zJJCNT3VHZig" title="Total receivables percertage">30.5</span>%</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables not overdue</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zP3lXgII7ih2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%"><b>13,076,862</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_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zzrwzkENe1Y8" title="Total receivables percertage">90.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zDjL21WTTvd1" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90A_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_z9QB19AD00a5" title="Total receivables percertage">91.3</span>%</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></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables 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="vertical-align: bottom; 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_98B_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zpzieAFvyE63" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">349,263</span></td> <td style="padding: 2pt; text-align: 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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zzDkbE6fnHC5" title="Total receivables percertage">2.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zagMgB35Bq03" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_908_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zyBET1DvqxG6" title="Total receivables percertage">2.6</span>%</span></td></tr> <tr 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%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z9bjRAlCfDii" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">170,962</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zuMymVI1kzs6" title="Total receivables percertage">1.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zWQ11wQAyb2l" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90F_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zbTBE2BTmKl7" title="Total receivables percertage">1.0</span>%</span></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%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zw3KyjKWYFYg" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">141,310</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zwOAPdnmbkS2" title="Total receivables percertage">0.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z2n6dZKe0KXf" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90D_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zRTLEplgFac4" title="Total receivables percertage">0.8</span>%</span></td></tr> <tr 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%">> 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zEwwcFtGUfxb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">749,907</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zj5IYmbz9OU8" title="Total receivables percertage">5.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z3n5u9B8SHz9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_zcY4MLtzLeY" title="Total receivables percertage">4.3</span>%</span></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%"><b>Total receivables overdue</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zdyOWovQaHC6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%"><b>1,411,442</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_z7HawVIkYnEh" title="Total receivables percertage">9.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zoNMR2pmQjo1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_907_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zGaELEqwmV8f" title="Total receivables percertage">8.7</span>%</b></span></td></tr> <tr style="vertical-align: bottom"> <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_ecustom--Borrowings2_iI_pn3n3_c20231231_zVbZKJUDvWKh" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>14,488,304</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--BorrowingsInterestRate1_iI_pip0_dp_c20231231_znANdqnToRZi" title="Total percentage">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--Borrowings2_iI_pn3n3_c20221231_z5wcweBSbIo5" 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_906_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20221231_zI4ZiHAqwgyi" title="Total percentage">100.0</span>%</b></span></td></tr> </table> <p id="xdx_8AD_zi11eZpcSal9" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Receivables overdue consist mainly of late balances, and receivables not overdue 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">b) 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, 2023, the credit card ECL allowance totaled US$2,096,269 (US$1,050,668 as of December 31, 2022). The provision is estimated using modeling techniques, consistently applied, and 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 (the coverage ratio) is also monitored in order 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 in stages, as disclosed in note 4.</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, 2023 and 2022. The proportion of stage 3 exposures increased to <span id="xdx_90C_eifrs-full--ExpectedCreditLossRate_iI_pip0_dp_c20231231_zf4mlEea7jLb" title="Credit percentage">7.6</span>% on December 31, 2023 from <span id="xdx_90E_eifrs-full--ExpectedCreditLossRate_iI_pip0_dp_c20221231_zgjxLCxxjr8b" title="Credit percentage">6.5</span>% on December 31, 2022. The expected stage 3 movement is primarily due to credit expansions which are maturing in the portfolio, as well as increases in delinquency observed in the previous quarters. Moreover, such expansions are the reason for the stage 1 coverage ratio movement.</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_zZHOAfE77dY5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 2)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zjva4YP3sT1h" 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 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 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>2023</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 34%; 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: 10%; 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: 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zE4CV5DHB3kd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>11,891,823</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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zhLEtlZXJEe6" title="Gross exposures (percent)">82.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zTcyIkyqO3Ej" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>693,151</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--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zY3FGG7Sl4M2" title="Credit Loss Allowance, Percentage">33.1</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_909_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zJCbnjpMXhjb" title="Coverage Ratio (%)">5.8</span>%</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> <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%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_z2wXVbTED7s8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,490,067</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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zqkSHyv74eFg" title="Gross exposures (percent)">10.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zrDvFJ5HLqW9" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>477,714</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_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_z8xX14dbvX8a" title="Credit Loss Allowance, Percentage">22.8</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_90F_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zKOT8LY8RFZd" title="Coverage Ratio (%)">32.1</span>%</b></span></td></tr> <tr 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%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zlIY5yUjCIL" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">364,853</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%"><span id="xdx_907_ecustom--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zWekgVbew9Pc" title="Gross exposures (percent)">24.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zDbkU1BjljTa" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">277,035</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zJZw9oQNnevb" title="Credit Loss Allowance, Percentage">58.0</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_904_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zfmqJeqpsfE1" title="Coverage Ratio (%)">75.9</span>%</span></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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zRR1ws59JkU9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,125,214</span></td> <td style="padding: 2pt; text-align: 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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zSbXxrPokBu3" title="Gross exposures (percent)">75.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zcI8Hw6VQPmc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">200,679</span></td> <td style="padding: 2pt; text-align: 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--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zNhktxz8XHyi" title="Credit Loss Allowance, Percentage">42.0</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_906_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zTB6CjQuKdKl" title="Coverage Ratio (%)">17.8</span>%</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> <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%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zC2kyMf4bAcl" 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>1,106,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zXGjXt7S9sE4" title="Gross exposures (percent)">7.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zM6RPCe5QSz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>925,404</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><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zJmat9FiayDh" title="Credit Loss Allowance, Percentage">44.1</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_90E_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zFtWv0m5GuO5" title="Coverage Ratio (%)">83.6</span>%</b></span></td></tr> <tr 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 id="xdx_98F_ecustom--CreditExposures_iI_pn3n3_c20231231_zRIGWhAKyUzc" 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>14,488,304</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: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20231231_zjLASIKru2jl" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_iI_pn3n3_c20231231_zgm4XcCQ3UX1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>2,096,269</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--LossAllowancePercent_iI_dp_c20231231_zya4Y8oGYDii" title="Credit Loss Allowance, Percentage">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_905_ecustom--CoverageRatioPercentage_iI_dp_c20231231_zbjpBf0eSTs9" title="Coverage Ratio (%)">14.5</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="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 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="vertical-align: bottom; background-color: white"> <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: 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: 14%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zpsIvc2Fx3c4" 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_zzRBGtojIbzf" title="Gross exposures (percent)">83.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zi9UhD40YNO6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90C_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_z9KxmfVepQBc" title="Credit Loss Allowance, Percentage">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_90B_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zYroRCNvHkOe" title="Coverage Ratio (%)">4.2</span>%</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> <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%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znfzHMpKFMJf" 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_903_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zVoyjPflW0Xc" title="Gross exposures (percent)">9.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znXzXmGG516c" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90B_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zkMyF43h3YYe" title="Credit Loss Allowance, Percentage">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_903_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zw3GNpmdIQK9" title="Coverage Ratio (%)">27.7</span>%</b></span></td></tr> <tr 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%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zcbKxh0M5yBf" 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_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_z9Cys7Fnjdi4" title="Gross exposures (percent)">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zp7g139C0OJi" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90D_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zNYYkxEZO4f3" title="Credit Loss Allowance, Percentage">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_z6qIWcv8Ptr" title="Coverage Ratio (%)">65.1</span>%</span></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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zaYjh6g222rc" 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_90C_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zoy6Z6aMzn21" title="Gross exposures (percent)">76.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zNxei4lshmyg" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90B_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zBqmhoVKVNp4" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zwHE5p3max78" title="Coverage Ratio (%)">16.2</span>%</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> <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%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zjq4rBJh2tm5" 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_903_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zHQtW1fjrpX1" title="Gross exposures (percent)">6.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zvZYPYgZK287" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90F_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zMTYY4fpwXn6" title="Credit Loss Allowance, Percentage">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_90F_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zFpFtN9RjByb" title="Coverage Ratio (%)">79.1</span>%</b></span></td></tr> <tr 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 id="xdx_981_ecustom--CreditExposures_pn3n3_c20221231_ziBN0QPjoiv9" 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_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231_zyQVbI0eNCAg" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowance_pn3n3_c20221231_zGSkT2c2Bfyc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90D_ecustom--LossAllowancePercent_iI_dp_c20221231_zI0RvzJIyZSb" title="Credit Loss Allowance, Percentage">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_900_ecustom--CoverageRatioPercentage_iI_dp_c20221231_zOVPnVtsuSlh" title="Coverage Ratio (%)">11.3</span>%</b></span></td></tr> </table> <p id="xdx_8A8_zGu97nwujTFk" style="font: 8pt/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">c) Credit loss allowance - by credit quality vs. stages</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--DisclosureCreditAllowanceExplanatory_zabUxivwXbNj" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 3)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_z9p82Myyo843" 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 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 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>2023</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 34%; 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: 10%; 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: 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zOeK8WlIOoGh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>7,103,018</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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zX3OTTlWo3B4" title="Gross exposures (percent)">49.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zbfqVBuVHk92" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>142,047</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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zRZXWirdi2Zf" title="Credit Loss Allowance, Percentage">6.8</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_90E_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zf4h5gWh8kJe" title="Coverage Ratio (%)">2.0</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4SJUwyxroSh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">7,081,674</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpYbgelAR3K5" title="Gross exposures (percent)">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zreaDPHRYfn8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">141,720</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDfVI3dPjqc7" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGAJZhlEWhy4" title="Coverage Ratio (%)">2.0</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zaeD1Roo89ti" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">21,344</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwNMk0kyg0E7" title="Gross exposures (percent)">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHm0cW4owle" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">327</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQ8XzOACQ6O6" title="Credit Loss Allowance, Percentage">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_907_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCNMbOmXyqYk" title="Coverage Ratio (%)">1.5</span>%</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> <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; width: 34%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zV9vJTrweoDj" style="padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>3,860,845</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 10%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zjG1Kk6vCS95" title="Gross exposures (percent)">26.7</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zjmtTynI8uF5" style="padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>294,591</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 11%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zxaRrpbt7RX4" title="Credit Loss Allowance, Percentage">14.0</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 14%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zcBrQ1xuH2T8" title="Coverage Ratio (%)">7.6</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgLppkQQ5rm1" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">3,699,167</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_906_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUVvRV4GVou1" title="Gross exposures (percent)">95.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVOkYApUOSi5" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">282,976</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_909_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znYS5frchHfh" title="Credit Loss Allowance, Percentage">96.1</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_901_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zY4h4OvX9v92" title="Coverage Ratio (%)">7.6</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zoM9aQj7Wbm6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">161,678</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNlClsP0y99a" title="Gross exposures (percent)">4.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbSYXjRhHTbh" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">11,615</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_901_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuBEDkRQswV7" title="Credit Loss Allowance, Percentage">3.9</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_90D_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRhcoG0tDTCh" title="Coverage Ratio (%)">7.2</span>%</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> <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%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zfQt2TQjuzzd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>3,524,441</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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zJBsjA73Asab" title="Gross exposures (percent)">24.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z8yWerEjd1U6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>1,659,631</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zQPtxBQt8r7e" title="Credit Loss Allowance, Percentage">79.2</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_901_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zSAipEKg1n8f" title="Coverage Ratio (%)">47.1</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCxSV7aSFVre" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,110,982</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_90D_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSMcG2YPthSb" title="Gross exposures (percent)">31.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfyuolKzzDpl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">268,455</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmSXeeZirU7b" title="Credit Loss Allowance, Percentage">16.2</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoCAJLgK5XY9" title="Coverage Ratio (%)">24.2</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQ9J9KLlkjm6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,307,045</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIpLROHFxRAh" title="Gross exposures (percent)">37.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zAHmK0TQ2Q56" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">465,772</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%"><span id="xdx_905_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCdjvPaXP3Y2" title="Credit Loss Allowance, Percentage">28.0</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_904_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVlq2RTAoEE5" title="Coverage Ratio (%)">35.6</span>%</span></td></tr> <tr 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%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9P8FZswsjre" 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%">1,106,414</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9aU6JbwlQ49" title="Gross exposures (percent)">31.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzS4imOCNIf4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">925,404</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_904_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYXcbnmilksj" title="Credit Loss Allowance, Percentage">55.8</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_907_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zPIVmFrBtVGl" title="Coverage Ratio (%)">83.6</span>%</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zQc1c7T4P5x8" 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>14,488,304</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: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zcXqEG6dIDR5" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zbmQWXlb6Kc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>2,096,269</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zJrRbDIt6fy1" title="Credit Loss Allowance, Percentage">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_905_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z7mtIAj2Gbck" title="Coverage Ratio (%)">14.5</span>%</b></span></td></tr> </table> <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 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="vertical-align: bottom; background-color: white"> <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: 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: 14%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zMfA9nUEvjnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_901_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zMZ1QnO9OOol" title="Gross exposures (percent)">65.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_z6Qgl29jhrl8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_909_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zIj9vRQ84Qy9" title="Credit Loss Allowance, Percentage">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_90B_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zY3oJmV8Ehv8" title="Coverage Ratio (%)">1.9</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zh9WyKN3KxMg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_zdtEErYHIdN" title="Gross exposures (percent)">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE45tUcPbSW" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_900_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCWCtcJXFICl" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zsI2JdSu1BZ9" title="Coverage Ratio (%)">1.9</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdENpBhsX8td" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_90F_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLpd1C1Ie8xl" title="Gross exposures (percent)">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXPXFZiNhMI9" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90E_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zxGlhH5SEwvj" title="Credit Loss Allowance, Percentage">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_90E_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z5Jkfv5HHvlj" title="Coverage Ratio (%)">1.6</span>%</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> <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%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zy71jgplMWl6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_900_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zQAICmgDhBN5" title="Gross exposures (percent)">15.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zRhxhN2TJlXl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_908_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zyNo2dRpuzL7" title="Credit Loss Allowance, Percentage">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_908_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zdUd03Vl1h1j" title="Coverage Ratio (%)">8.0</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAiY6N7ZaCY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_909_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUFoMHBuEpR" title="Gross exposures (percent)">83.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXQca0hDo5S2" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_905_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNVCUn9Ia9C7" title="Credit Loss Allowance, Percentage">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_901_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQOuU6Jae1Le" title="Coverage Ratio (%)">8.2</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIJfHVDddcv8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_909_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4yJtK9zouF3" title="Gross exposures (percent)">16.9</span>%</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--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zd368sZhliQ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_903_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNp7xErSX13l" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zAW3T1mQBaSk" title="Coverage Ratio (%)">7.5</span>%</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> <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%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zZ3MiuRiozw2" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_907_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z2QzghRLSS9d" title="Gross exposures (percent)">18.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zLyMjWVC5Lqe" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_ztKUcITh9Hzd" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z73ZuwKUnbd7" title="Coverage Ratio (%)">48.4</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVpKLeH0vDY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_901_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqIvz3pVJQwi" title="Gross exposures (percent)">26.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zhSHVv9fDZRj" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znB5akdivR5k" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGLA5b8i7vHe" title="Coverage Ratio (%)">24.8</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbCEmB2LLZxj" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_90C_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zYlQfdu4mpwl" title="Gross exposures (percent)">38.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh846uxeRPM1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_903_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVhiEUl7NVph" title="Credit Loss Allowance, Percentage">28.7</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_901_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zX1Nxi8muKtg" title="Coverage Ratio (%)">36.1</span>%</span></td></tr> <tr 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%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zEcaYdgZHSaj" 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%">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_908_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zvnib5oe97ae" title="Gross exposures (percent)">35.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQgSsPlJSIIh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_908_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9Sn0kg0ngTi" title="Credit Loss Allowance, Percentage">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_906_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpQE2DVUErYf" title="Coverage Ratio (%)">79.1</span>%</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zRfZniBm7YRe" 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--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zgYURHwd6ne3" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z2EhXHwd6GQ8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_902_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zDFKf7wd1zre" title="Credit Loss Allowance, Percentage">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_903_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z8aYwFTIePNd" title="Coverage Ratio (%)">11.3</span>%</b></span></td></tr> </table> <p id="xdx_8A5_zW6JhA6eonSc" 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> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 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> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--DisclosureCreditQualityClassificationGross_zCuGy2gVg2Gi" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 4)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zuPTj5XmQzT9" style="display: none">Schedule of credit quality classification gross </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: 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 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="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: 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>Stage3</b></span></td></tr> <tr style="vertical-align: bottom"> <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>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: 23%; 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zlSdSQlqJee2" 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_909_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZHyoNXYjcX4" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZJsgtkhd9Fl" 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z3CHchqNdT0j" 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_90F_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziiwTRWGEMe5" title="Credit quality description"><span id="xdx_907_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuEgNF9Qaa49" 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="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 23%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zFWQ94QC6q6h" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNoV6vjEFj53" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zj7IW0CmGDb4" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 20%; 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: 20%; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zStSQklpTnP9" 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_904_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziv1SOUfViv8" title="Credit quality description"><span id="xdx_904_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z04BgRQtTvHl" 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z95Hbe8wPw1i" 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_901_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoG9DGCPshie" title="Credit quality description"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4HfjRuPy0Nb" 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_90E_ecustom--ProbabilityOfDefault1_dp_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4RETGddnT84" 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_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zRUqGuQqXtia" title="Credit quality description">Higher Risk</span></span></td></tr> </table> <p id="xdx_8A4_z2vncittSyUa" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">When compared to December 31, 2022, a change in the credit quality distribution is observed, with relative exposure moving to higher PD stages. This movement is explained below in item d) Credit loss allowance - changes. Nonetheless, there is still a significant concentration of receivables at stage 1 based on credit quality. Furthermore, receivables with satisfactory risk are distributed between stages 1 and 2, but primarily stage 1.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Concerning the defaulted assets at stage 3, they are classified as higher risk. <span style="background-color: white">A large proportion of stage 2 exposures are also 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">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 the reconciliations from the opening to the closing balance of the credit loss allowance by stages of the financial instruments.</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--DisclosureCreditAllowanceChangesExplanatory_zh1UYdAQ8Aab" 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: left; line-height: 115%"><span id="xdx_8BA_z1ivf5AwhU8b" 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: 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 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: 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: 17%; 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_984_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZCjOcVyoCIa" 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>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCeIkJoj08ek" 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>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zL2nrux14u8f" 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>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6rCY24TCsU1" 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>1,050,668</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_982_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIJCjGctaASe" 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%">(33,880)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zoLeQ9yHewpl" 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%">33,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6LSAXkFqPk1" 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: xdx2ixbrl2943">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z7j2yfr8uxUa" 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: xdx2ixbrl2945">-</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_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE7lSHKOUxyc" 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%">56,981</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zekmwkZRou9k" 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%">(56,981)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzZVypFZDpH1" 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: xdx2ixbrl2951">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEqFcpzOA5q5" 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: xdx2ixbrl2953">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTyTLkPLAH78" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(63,264)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEKYb894hBJc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(170,141)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAdoyYLjPeMi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">233,405</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zsV6NRO5ktQ4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2961">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrKvqT8xOTc7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">15,489</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zg1KbqTVmJt3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,693</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zIzR3S6QP2Y7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(20,182)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zymt9MBVPLi9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2969">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zg0M3776reW6" 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: xdx2ixbrl2971">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowance_pdn3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zzD44uTxYii6" 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: xdx2ixbrl2973">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1zIRRCwKgHi" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGwU927MbNz3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td></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_981_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGByZT5WVzC3" 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%">349,215</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlSQ7mLGA6G9" 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%">381,447</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zviOJC5y974a" 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%">1,119,044</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zAnwpX0zNNh" 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%">1,849,706</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_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z2JSjUa0Vc04" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>157,928</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zZFiEwOQj695" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>15,748</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zqxBC3L3kjk" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>8,999</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zig1FvDZOnnc" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>182,675</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_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z2tnO2V9duWi" 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>275,749</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zWxOVwDDrNMh" 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>13,706</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zQ7vKZCncpAa" 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>2,280</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z2pJYzSJCHF9" 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>291,735</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_985_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zJFdH14gPbnh" 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>(170,839)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh8newcuPz63" 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>310,683</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCTrDveCeq3g" 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>1,087,561</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFjWkNkcYIVe" 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>1,227,405</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_98C_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zmRklIWhuQq" 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>86,377</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zJmpIShYPeO3" 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>41,310</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zc2gi3DTnhOk" 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>20,204</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zPveix3t79Uc" 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>147,891</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_98A_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWG8ggcKqc1i" 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%">45,640</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkeLj2OrrOPb" 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%">30,635</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOUf35Yf7Q2h" 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%">54,903</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znJzFfvk06Sd" 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%">131,178</span></td></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_986_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjMdfT9dMOYa" 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>693,151</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFKMMg3lQc86" 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>477,714</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z5bQO0iOLDSd" 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>925,404</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlNnTscXEZ6i" 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>2,096,269</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> <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>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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_983_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9WaZn0FKjek" 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_982_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zMXUkw6fR68e" 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_987_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zKrak2jo3cgg" 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_984_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zSSLQYcxvXha" 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_989_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z484yQWSiNCe" 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_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zP1fO7R4eBP2" 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_986_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJi26MWWgbld" 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: xdx2ixbrl3047">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zHjJgEEaLz21" 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: xdx2ixbrl3049">-</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_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZB6uXcxP9fl" 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_98C_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqz9BCeDkpCf" 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_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zn1ogtzy6Elf" 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: xdx2ixbrl3055">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGwRuzjdKUk4" 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: xdx2ixbrl3057">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z2gmPJ5luzPh" 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_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuDzWD7ObCul" 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_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJfoZNcRu6E2" 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_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zh7j2maH8aW4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3065">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9q8zuXR5kL4" 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_98E_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB7QKS4Y1dX5" 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_988_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zwVQr60OTnJf" 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_982_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLgocyuAJZJ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3073">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrzPPazcKNq7" 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: xdx2ixbrl3075">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zPIhjenjaNI7" 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: xdx2ixbrl3077">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znEgMZkKHHSj" 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_98C_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvnJdhFRyZ5e" 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_985_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zab9SE552FC7" 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_989_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvCzwVCeou1f" 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_983_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zymLlzAJVsP1" 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_982_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6VGHQk9624c" 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 18.75pt; 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_989_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zVChOT6FoMm5" 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: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zSo8H86Ytho4" 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: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zSN0vGbyZhl7" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zWTpOltfXRT9" 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 18.75pt; 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_987_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zRqgIUuHzbxf" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zCmCVfrTr7Di" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_z5RwduSkkWx" 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: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zMlQQ8mtV3P9" 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 18.75pt; 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_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCXZLMNefIxc" 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: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEJnDcbp7C11" 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: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpBnAYjMWhuc" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5rwwpSEf45e" 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 18.75pt; 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_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_z2pmXnqUcUd1" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zJfDqKU5Fvf8" 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: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_z1ahFXwe8wA6" 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: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_z9WV0UwFNPB2" 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_98C_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmR1gfDP46ha" 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_988_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjEi0WQZkeIc" 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_983_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmq3logkobva" 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_987_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgU66tflI9E7" 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_989_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVGFz0MAd3ql" 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_985_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zipVDNA3NoI5" 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_98C_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjmGVsDH5cSc" 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_985_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zej0oTOpCQlk" 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 style="vertical-align: bottom"> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 38%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</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>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</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>Total</b></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE8hBj3rVk5j" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zz1aEQn2v7T9" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z295fTMqxh57" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKsYxOVEVuAf" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>217,542</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfgtmUXYEQ8i" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(10,514)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zrHX3wRgAYPk" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">10,514</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zroOPOPcIxyd" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3151">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVWKksNOYKs" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3153">-</span></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8eBVwJm9Odd" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">17,840</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zErW0UKujAR" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(17,840)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zovBMBGCyDIj" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3159">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zegaavsHKFx3" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3161">-</span></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIjNcdssxe5j" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(7,023)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zktarJDF5One" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(13,176)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuCcawRQWEUl" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">20,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyozXJhCWr45" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3169">-</span></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjSKKiCQB3fc" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">151</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQMaDiiQLg3d" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">70</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCbh4nfZDNUj" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(221)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zSnJIdnnrRK6" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3177">-</span></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zOeQqFEkbFCe" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3179">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRFKbvqpjiA1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3181">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z228KGbbrzd1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(118,518)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGcwXSE4oi0g" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(118,518)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9ypwuUPhRRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">54,096</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zl6outaFDcO9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">92,658</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuyv1CO3d4ek" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">164,847</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeJ1DOoU9DIl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">311,601</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>New originations (a)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zPJ6f8DUEDL5" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>94,367</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_z0nfAnEO4fgc" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>9,547</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmYYdef85is5" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>3,979</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_z2mIsaZcvQd8" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>107,893</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98D_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zwUN9BGEVXHl" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>120,420</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zrHrSeMxONng" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>2,585</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zvzUNijufETa" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>363</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zRvZwFUyIkn4" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>123,368</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8BHnI2Loi1b" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(161,906)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcwHznGJ7L9h" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>79,282</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFFipxXSfVx5" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>160,186</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6OWgoCKY8L8" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>77,562</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zmRU0zN3D6cl" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>1,215</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zdLmo7zWQG0i" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>1,244</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zyroVQImdpk2" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>319</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zqbyfkjZLdi5" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>2,778</i></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM8n6GRi4hDi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(6,488)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU4iqMtRY7j9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(6,225)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQa5DofbfmN6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,233)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgZSDeT547Tk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(19,946)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3sxf6jcnl4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>127,358</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zxznEOjNspve" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>126,392</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zVAyMao3AFpk" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>136,929</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_984_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVsnHYaEHjZd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>390,679</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 style="text-align: justify; width: 3%">(a)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(b)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(c)</td> <td style="text-align: justify; width: 97%">Changes to models that occurred during the period include calibration of ECL parameters reflecting changes in the Company’s underwriting policies and collections strategies, and inclusion of more recent risk and recoveries data.</td></tr> </table> <p id="xdx_8A5_z3Ql6r9c4T19" style="margin-top: 0; margin-bottom: 0"> </p> <p 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 presented above. “Net change of gross carrying amount” includes acquisitions, payments, and interest accruals.</p> <table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--DisclosureCreditAllowanceChangesGrossExplanatory_zezzWq5V3qA5" 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; text-align: left; line-height: 115%"><span id="xdx_8B6_zLnxcTNWJ0L8" 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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_988_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQlx4JJvFaWe" 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>7,750,270</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7216U1wOuXf" 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>917,178</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCcj1Fi2oxh8" 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>598,777</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZOP0pzrDgId" 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>9,266,225</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_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFHAkYaZt5a6" 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%">(581,044)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zzSdsj8shAIf" 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%">581,044</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYE6uy881B1k" 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: xdx2ixbrl3257">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgMLi5JU8QX1" 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: xdx2ixbrl3259">-</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_982_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z41CD0GvEg1l" 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%">307,046</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKC82VoGXwmg" 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%">(307,046)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zWpjoRgitph4" 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: xdx2ixbrl3265">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zz8jUT1xzH5e" 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: xdx2ixbrl3267">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZvl3SEftgCf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(554,432)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4uHr8tqXtbb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(383,006)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqegF3Aes6gf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">937,438</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z8GqN17pb5G6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3275">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zORUjQ5JYC3f" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">20,523</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFAxIkzfGFy9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">6,235</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zHM6qUFbOD05" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(26,758)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVOIzIspiW89" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3283">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziTvP1PhsaWi" 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: xdx2ixbrl3285">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfADLm5oERJ6" 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: xdx2ixbrl3287">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zovB98Q65JI6" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zq0V86UUXcT7" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td></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_988_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zl8Fa54CqXJd" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">4,109,980</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUJ52Wpyk7vc" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">576,369</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6gCPdK2mHH6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">462,050</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXgiIOhk0JH8" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">5,148,399</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_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVnoKX4sOIjh" 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%">839,480</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zGUCbtYYe6hh" 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%">99,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z46oPQ0cahPe" 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%">70,190</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zQB5u7R6gkMf" 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%">1,008,963</span></td></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_98F_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ztGe4RnxqnGg" 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>11,891,823</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zupc3JWHPz1j" 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>1,490,067</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z76wkqXrLnik" 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>1,106,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zQt1eGsDchs3" 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>14,488,304</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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1iFHDUm0Le1" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkt6xE3w2q3a" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkFwGWE3ZDBj" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z42eGlodhR0c" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0CLZmhnMXQ" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDwajLbxEUt4" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjIcIhaNDC0j" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3329">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXIv9niXodDh" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3331">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zp3VpWImYHKi" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0HWYw93xYmh" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1UmASRVDTOl" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3337">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDAFQ4xaeLva" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3339">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znA1WtNDYaog" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znvDt9Owijp1" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zi3kAvYUHqc5" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zbJSARIBYrT" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3347">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zR2lRJA5x3me" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHbNDbDQb1u2" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOpVwPkKtkBc" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zUiBsPM4Zn68" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3355">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zr8ZQrCJzXQ9" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3357">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlVS5h401aK6" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3359">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zZpnPOlcv3qa" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGaGtYsJSYQ7" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znMJjxEOGdl6" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB0SIll7sle3" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zKoC06uc64vc" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z92kbPINt1A2" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkB9FrxKbpCi" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpQCY3nxr6Z8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z3Qx6cIlbdq3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2T9Sm6vQHKa" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmtAIBKtKAO8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSsIrfomrgSi" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z2hVu5CMb1yb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGFYPHFF3qvk" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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: 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; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 38%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</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>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</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>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNvavgxcqm4d" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>2,799,999</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4EboCLo18X" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>202,673</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zO1Rh8JnU8L9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>116,200</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znEeN8C2o5Wj" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>3,118,872</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuQSSrxU8MZ2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(168,654)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdcfPnwhdJMf" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">168,654</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zj0wrjEJZ8j2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3401">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKmegeqISP69" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3403">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zo8E7Ug5voLg" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">73,448</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zp5snNATME5c" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(73,448)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjukjoHme7da" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3409">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4cmlSSSfQE7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3411">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNiJFdBnLD5j" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(72,328)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztje13u9cPRi" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(41,112)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAaPF1Ai5wjk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">113,440</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zD0k1lLwJln4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3419">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znpymTTniJAj" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">156</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwFG55pLRHNd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">68</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0Wt72jayaPh" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(224)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYtahLTG3qT5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3427">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv04uzjjScX7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3429">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDLYDHIE0bWc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3431">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9HE6fsLRfvb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(120,071)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTqzniTdsih8" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(120,071)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net change of gross carrying amount</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8ARgxap3vx5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">2,145,118</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zR69N9KOm025" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">205,148</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z17G1HUuRl0b" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">97,356</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zrb2XFLakm7d" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">2,447,622</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxLgfxBXDPb7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(252,050)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1r86FAU5Kc7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(21,878)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLD0y7XNBOc6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(10,342)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zb5fZqxpfn56" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(284,270)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zdsOKB2LyK2h" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>4,525,689</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh3tNIVUcYpb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>440,105</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8bNpK65ceR7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>196,359</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z9BW7mwBurnf" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>5,162,153</b></span></td></tr> </table> <p id="xdx_8A4_zqaZrD0de6zf" style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023 | ifrs-full |
Disclosure Of Composition Of Group Explanatory
DisclosureOfCompositionOfGroupExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_897_eifrs-full--DisclosureOfCompositionOfGroupExplanatory_znOYwsXGFIA8" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details)"> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B5_z7Y18mg2htl1" style="display: none">Schedule of composition of receivables</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20231231_zOpK2KF3D9i8" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_492_20221231_zL9MfKTVF2Da" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <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: 16%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 13%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</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></tr> <tr id="xdx_405_eifrs-full--TradeAndOtherCurrentReceivables_iI_pn3n3_z0NEqmm2SDFd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - current (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%">6,296,788</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_40B_ecustom--ReceivablesInstallmentsI_iI_pn3n3_zuhvzprc9OOl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - installments (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%">7,212,775</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%">4,259,979</span></td></tr> <tr id="xdx_409_ecustom--ReceivablesRevolvingIi_iI_pn3n3_zjz5vUHzXTq2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Receivables - revolving (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">978,741</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_408_eifrs-full--TradeAndOtherReceivables_iI_pn3n3_zTlZFnxML8Q9" 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>14,488,304</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></tr> <tr id="xdx_40A_ecustom--FairValueAdjustmentPortfolioHedge_iI_pn3n3_z8dRGVN76mGd" 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 19)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">32</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_40A_ecustom--Total_iI_pn3n3_z4K2jdAKse9d" 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>14,488,336</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--CreditCardEclAllowanceAbstract_iB_z2Tccm3fNsSa" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_401_ecustom--PresentedAsDeductionOfReceivables_iI_pn3n3_z7HGfRCvmEIk" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,074,203)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,033,102)</span></td></tr> <tr id="xdx_40D_ecustom--PresentedAsOtherLiabilities_iI_pn3n3_zXP92hm31CDe" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Presented as "Other liabilities" (note 26)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(22,066)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(17,566)</span></td></tr> <tr id="xdx_408_ecustom--TotalCreditCardEclAllowance_iI_pn3n3_zkfdWHKJF2Hl" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(2,096,269)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>(1,050,668)</b></span></td></tr> <tr id="xdx_40C_ecustom--ReceivablesNet_iI_pn3n3_zXuN2FsgFYff" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables, net</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,392,067</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,215,506</b></span></td></tr> <tr id="xdx_40E_ecustom--TotalReceivablesPresentedAsAssets_iI_pn3n3_zKp82zqURXZ5" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>12,414,133</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>8,233,072</b></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/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">"Receivables - current" is related to purchases, withdrawals, payment slips ("<i>boleto</i>") and PIX (BACEN instant payments) financing made by customers due on the next credit card billing date. "Receivables - installments” is related to purchases in installments. Credit card receivables can be paid by Nu's clients in up to 12, 24 and 36 monthly installments in Brazil, Mexico and Colombia, respectively. The cardholder’s credit limit is initially reduced by the total amount and the installments become due and payable on the cardholder's subsequent monthly credit card statement. Brazil makes the corresponding payments to the credit card network (see note 22) 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, which comprise bills paid in installments through the credit card, banking payment slips ("<i>boleto</i>") and PIX financing in more than one installment.</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; width: 3%">(ii)</td> <td style="text-align: justify; 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> | |
| CY2023Q4 | ifrs-full |
Trade And Other Current Receivables
TradeAndOtherCurrentReceivables
|
6296788000 | usd |
| CY2022Q4 | ifrs-full |
Trade And Other Current Receivables
TradeAndOtherCurrentReceivables
|
4236235000 | usd |
| CY2023Q4 | nu |
Receivables Installments I
ReceivablesInstallmentsI
|
7212775000 | usd |
| CY2022Q4 | nu |
Receivables Installments I
ReceivablesInstallmentsI
|
4259979000 | usd |
| CY2023Q4 | nu |
Receivables Revolving Ii
ReceivablesRevolvingIi
|
978741000 | usd |
| CY2022Q4 | nu |
Receivables Revolving Ii
ReceivablesRevolvingIi
|
770011000 | usd |
| CY2023Q4 | ifrs-full |
Trade And Other Receivables
TradeAndOtherReceivables
|
14488304000 | usd |
| CY2022Q4 | ifrs-full |
Trade And Other Receivables
TradeAndOtherReceivables
|
9266225000 | usd |
| CY2023Q4 | nu |
Fair Value Adjustment Portfolio Hedge
FairValueAdjustmentPortfolioHedge
|
32000 | usd |
| CY2022Q4 | nu |
Fair Value Adjustment Portfolio Hedge
FairValueAdjustmentPortfolioHedge
|
-51000 | usd |
| CY2023Q4 | nu |
Total
Total
|
14488336000 | usd |
| CY2022Q4 | nu |
Total
Total
|
9266174000 | usd |
| CY2023Q4 | nu |
Presented As Deduction Of Receivables
PresentedAsDeductionOfReceivables
|
-2074203000 | usd |
| CY2022Q4 | nu |
Presented As Deduction Of Receivables
PresentedAsDeductionOfReceivables
|
-1033102000 | usd |
| CY2023Q4 | nu |
Presented As Other Liabilities
PresentedAsOtherLiabilities
|
-22066000 | usd |
| CY2022Q4 | nu |
Presented As Other Liabilities
PresentedAsOtherLiabilities
|
-17566000 | usd |
| CY2023Q4 | nu |
Total Credit Card Ecl Allowance
TotalCreditCardEclAllowance
|
-2096269000 | usd |
| CY2022Q4 | nu |
Total Credit Card Ecl Allowance
TotalCreditCardEclAllowance
|
-1050668000 | usd |
| CY2023Q4 | nu |
Receivables Net
ReceivablesNet
|
12392067000 | usd |
| CY2022Q4 | nu |
Receivables Net
ReceivablesNet
|
8215506000 | usd |
| CY2023Q4 | nu |
Total Receivables Presented As Assets
TotalReceivablesPresentedAsAssets
|
12414133000 | usd |
| CY2022Q4 | nu |
Total Receivables Presented As Assets
TotalReceivablesPresentedAsAssets
|
8233072000 | usd |
| CY2023 | nu |
Schedule Of Breakdown By Maturity
ScheduleOfBreakdownByMaturity
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<table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--ScheduleOfBreakdownByMaturity_zsxbXbpGQS9j" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B9_zjBqV6fp5Wk2" style="display: none">Schedule of 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 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="3" 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>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left; line-height: 115%"> </td> <td colspan="3" 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>2022</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 38%; 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>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: 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: 16%; 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: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables 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="vertical-align: bottom; 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_98F_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zjPAWOeglrS" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">6,263,292</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zLAPX88zxcH" title="Total receivables percertage">43.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zm89pRVeVJFl" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_901_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zhBLuF461yy" title="Total receivables percertage">43.5</span>%</span></td></tr> <tr 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%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zD3QUvjlGvH3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">2,485,690</span></td> <td style="padding: 2pt; text-align: 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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zzA795koO5aj" title="Total receivables percertage">17.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zQZ67upABt47" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_906_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zVEzbBh9dRec" title="Total receivables percertage">17.3</span>%</span></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%">> 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zIs9AUIO3IRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">4,327,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_904_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z2tEYtRh0Cgj" title="Total receivables percertage">29.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zi6yc1MyJFo8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90D_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zJJCNT3VHZig" title="Total receivables percertage">30.5</span>%</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables not overdue</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zP3lXgII7ih2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%"><b>13,076,862</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_c20231231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zzrwzkENe1Y8" title="Total receivables percertage">90.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_zDjL21WTTvd1" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90A_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsNotOverdueDueMember_z9QB19AD00a5" title="Total receivables percertage">91.3</span>%</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></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Receivables 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="vertical-align: bottom; 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_98B_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zpzieAFvyE63" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">349,263</span></td> <td style="padding: 2pt; text-align: 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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zzDkbE6fnHC5" title="Total receivables percertage">2.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zagMgB35Bq03" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_908_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zyBET1DvqxG6" title="Total receivables percertage">2.6</span>%</span></td></tr> <tr 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%">30 < 60 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z9bjRAlCfDii" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">170,962</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zuMymVI1kzs6" title="Total receivables percertage">1.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zWQ11wQAyb2l" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90F_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zbTBE2BTmKl7" title="Total receivables percertage">1.0</span>%</span></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%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zw3KyjKWYFYg" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">141,310</span></td> <td style="padding: 2pt; text-align: 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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zwOAPdnmbkS2" title="Total receivables percertage">0.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_z2n6dZKe0KXf" style="padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_90D_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanTwoYearsMember_zRTLEplgFac4" title="Total receivables percertage">0.8</span>%</span></td></tr> <tr 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%">> 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--Borrowings_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zEwwcFtGUfxb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%">749,907</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_zj5IYmbz9OU8" title="Total receivables percertage">5.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember__ifrs-full--MaturityAxis__ifrs-full--LaterThanTwoYearsAndNotLaterThanThreeYearsMember_z3n5u9B8SHz9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_zcY4MLtzLeY" title="Total receivables percertage">4.3</span>%</span></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%"><b>Total receivables overdue</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Borrowings_iI_pn3n3_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zdyOWovQaHC6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><span style="font-size: 8pt; line-height: 115%"><b>1,411,442</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20231231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_z7HawVIkYnEh" title="Total receivables percertage">9.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zoNMR2pmQjo1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total receivables"><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_907_eifrs-full--BorrowingsInterestRate_iI_pip0_dp_c20221231__custom--InstallmentsAxis__custom--InstallmentsOverdueMember_zGaELEqwmV8f" title="Total receivables percertage">8.7</span>%</b></span></td></tr> <tr style="vertical-align: bottom"> <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_ecustom--Borrowings2_iI_pn3n3_c20231231_zVbZKJUDvWKh" style="padding: 2pt; text-align: right; line-height: 115%" title="Total"><span style="font-size: 8pt; line-height: 115%"><b>14,488,304</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--BorrowingsInterestRate1_iI_pip0_dp_c20231231_znANdqnToRZi" title="Total percentage">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--Borrowings2_iI_pn3n3_c20221231_z5wcweBSbIo5" 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_906_ecustom--BorrowingsInterestRate1_iI_pip0_dp_c20221231_zI4ZiHAqwgyi" title="Total percentage">100.0</span>%</b></span></td></tr> </table> | |
| CY2023Q4 | nu |
Borrowings2
Borrowings2
|
14488304000 | usd |
| CY2023Q4 | nu |
Borrowings Interest Rate1
BorrowingsInterestRate1
|
1.000 | pure |
| CY2022Q4 | nu |
Borrowings2
Borrowings2
|
9266225000 | usd |
| CY2022Q4 | nu |
Borrowings Interest Rate1
BorrowingsInterestRate1
|
1.000 | pure |
| CY2023Q4 | ifrs-full |
Expected Credit Loss Rate
ExpectedCreditLossRate
|
0.076 | pure |
| CY2022Q4 | ifrs-full |
Expected Credit Loss Rate
ExpectedCreditLossRate
|
0.065 | pure |
| CY2023 | nu |
Disclosure Of Credit Exposures Using External Credit Grading System Explanatory
DisclosureOfCreditExposuresUsingExternalCreditGradingSystemExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--DisclosureOfCreditExposuresUsingExternalCreditGradingSystemExplanatory_zZHOAfE77dY5" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 2)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B1_zjva4YP3sT1h" 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 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 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>2023</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 34%; 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: 10%; 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: 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zE4CV5DHB3kd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>11,891,823</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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zhLEtlZXJEe6" title="Gross exposures (percent)">82.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zTcyIkyqO3Ej" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>693,151</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--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zY3FGG7Sl4M2" title="Credit Loss Allowance, Percentage">33.1</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_909_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage1Member_zJCbnjpMXhjb" title="Coverage Ratio (%)">5.8</span>%</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> <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%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_z2wXVbTED7s8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>1,490,067</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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zqkSHyv74eFg" title="Gross exposures (percent)">10.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zrDvFJ5HLqW9" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>477,714</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_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_z8xX14dbvX8a" title="Credit Loss Allowance, Percentage">22.8</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_90F_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member_zKOT8LY8RFZd" title="Coverage Ratio (%)">32.1</span>%</b></span></td></tr> <tr 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%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zlIY5yUjCIL" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">364,853</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%"><span id="xdx_907_ecustom--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zWekgVbew9Pc" title="Gross exposures (percent)">24.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zDbkU1BjljTa" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">277,035</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zJZw9oQNnevb" title="Credit Loss Allowance, Percentage">58.0</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_904_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zfmqJeqpsfE1" title="Coverage Ratio (%)">75.9</span>%</span></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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zRR1ws59JkU9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,125,214</span></td> <td style="padding: 2pt; text-align: 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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zSbXxrPokBu3" title="Gross exposures (percent)">75.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zcI8Hw6VQPmc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">200,679</span></td> <td style="padding: 2pt; text-align: 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--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zNhktxz8XHyi" title="Credit Loss Allowance, Percentage">42.0</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_906_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zTB6CjQuKdKl" title="Coverage Ratio (%)">17.8</span>%</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> <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%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposures_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zC2kyMf4bAcl" 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>1,106,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--ConcentrationsOfRisk1_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zXGjXt7S9sE4" title="Gross exposures (percent)">7.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zM6RPCe5QSz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>925,404</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><span id="xdx_906_ecustom--LossAllowancePercent_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zJmat9FiayDh" title="Credit Loss Allowance, Percentage">44.1</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_90E_ecustom--CoverageRatioPercentage_iI_dp_c20231231__ifrs-full--MaturityAxis__custom--Stage3Member_zFtWv0m5GuO5" title="Coverage Ratio (%)">83.6</span>%</b></span></td></tr> <tr 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 id="xdx_98F_ecustom--CreditExposures_iI_pn3n3_c20231231_zRIGWhAKyUzc" 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>14,488,304</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: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--ConcentrationsOfRisk1_iI_dp_c20231231_zjLASIKru2jl" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_iI_pn3n3_c20231231_zgm4XcCQ3UX1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>2,096,269</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--LossAllowancePercent_iI_dp_c20231231_zya4Y8oGYDii" title="Credit Loss Allowance, Percentage">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_905_ecustom--CoverageRatioPercentage_iI_dp_c20231231_zbjpBf0eSTs9" title="Coverage Ratio (%)">14.5</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="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 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="vertical-align: bottom; background-color: white"> <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: 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: 14%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Stage 1</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zpsIvc2Fx3c4" 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_zzRBGtojIbzf" title="Gross exposures (percent)">83.6</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zi9UhD40YNO6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90C_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_z9KxmfVepQBc" title="Credit Loss Allowance, Percentage">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_90B_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage1Member_zYroRCNvHkOe" title="Coverage Ratio (%)">4.2</span>%</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> <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%"><b>Stage 2</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znfzHMpKFMJf" 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_903_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zVoyjPflW0Xc" title="Gross exposures (percent)">9.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_znXzXmGG516c" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90B_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zkMyF43h3YYe" title="Credit Loss Allowance, Percentage">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_903_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member_zw3GNpmdIQK9" title="Coverage Ratio (%)">27.7</span>%</b></span></td></tr> <tr 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%">Absolute Trigger (Days Late)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zcbKxh0M5yBf" 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_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_z9Cys7Fnjdi4" title="Gross exposures (percent)">23.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zp7g139C0OJi" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90D_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--AbsoluteTriggerMember_zNYYkxEZO4f3" title="Credit Loss Allowance, Percentage">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_z6qIWcv8Ptr" title="Coverage Ratio (%)">65.1</span>%</span></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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zaYjh6g222rc" 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_90C_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zoy6Z6aMzn21" title="Gross exposures (percent)">76.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zNxei4lshmyg" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90B_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zBqmhoVKVNp4" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage2Member__ifrs-full--TypesOfRisksAxis__custom--RelativeTriggerMember_zwHE5p3max78" title="Coverage Ratio (%)">16.2</span>%</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> <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%"><b>Stage 3</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--CreditExposures_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zjq4rBJh2tm5" 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_903_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zHQtW1fjrpX1" title="Gross exposures (percent)">6.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--LossAllowance_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zvZYPYgZK287" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90F_ecustom--LossAllowancePercent_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zMTYY4fpwXn6" title="Credit Loss Allowance, Percentage">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_90F_ecustom--CoverageRatioPercentage_iI_dp_c20221231__ifrs-full--MaturityAxis__custom--Stage3Member_zFpFtN9RjByb" title="Coverage Ratio (%)">79.1</span>%</b></span></td></tr> <tr 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 id="xdx_981_ecustom--CreditExposures_pn3n3_c20221231_ziBN0QPjoiv9" 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_909_ecustom--ConcentrationsOfRisk1_iI_dp_c20221231_zyQVbI0eNCAg" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--LossAllowance_pn3n3_c20221231_zGSkT2c2Bfyc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_90D_ecustom--LossAllowancePercent_iI_dp_c20221231_zI0RvzJIyZSb" title="Credit Loss Allowance, Percentage">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_900_ecustom--CoverageRatioPercentage_iI_dp_c20221231_zOVPnVtsuSlh" title="Coverage Ratio (%)">11.3</span>%</b></span></td></tr> </table> | |
| CY2023Q4 | nu |
Credit Exposures
CreditExposures
|
14488304000 | usd |
| CY2023Q4 | nu |
Concentrations Of Risk1
ConcentrationsOfRisk1
|
1.000 | pure |
| CY2023Q4 | nu |
Loss Allowance
LossAllowance
|
2096269000 | usd |
| CY2023Q4 | nu |
Loss Allowance Percent
LossAllowancePercent
|
1.000 | pure |
| CY2023Q4 | nu |
Coverage Ratio Percentage
CoverageRatioPercentage
|
0.145 | pure |
| 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 |
| CY2023 | nu |
Disclosure Credit Allowance Explanatory
DisclosureCreditAllowanceExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--DisclosureCreditAllowanceExplanatory_zabUxivwXbNj" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 3)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BC_z9p82Myyo843" 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 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 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>2023</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 34%; 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: 10%; 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: 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zOeK8WlIOoGh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>7,103,018</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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zX3OTTlWo3B4" title="Gross exposures (percent)">49.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zbfqVBuVHk92" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>142,047</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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zRZXWirdi2Zf" title="Credit Loss Allowance, Percentage">6.8</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_90E_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zf4h5gWh8kJe" title="Coverage Ratio (%)">2.0</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4SJUwyxroSh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">7,081,674</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpYbgelAR3K5" title="Gross exposures (percent)">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zreaDPHRYfn8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">141,720</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDfVI3dPjqc7" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGAJZhlEWhy4" title="Coverage Ratio (%)">2.0</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zaeD1Roo89ti" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">21,344</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwNMk0kyg0E7" title="Gross exposures (percent)">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHm0cW4owle" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">327</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQ8XzOACQ6O6" title="Credit Loss Allowance, Percentage">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_907_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCNMbOmXyqYk" title="Coverage Ratio (%)">1.5</span>%</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> <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; width: 34%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zV9vJTrweoDj" style="padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>3,860,845</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 10%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90D_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zjG1Kk6vCS95" title="Gross exposures (percent)">26.7</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zjmtTynI8uF5" style="padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>294,591</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 11%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_900_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zxaRrpbt7RX4" title="Credit Loss Allowance, Percentage">14.0</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 14%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zcBrQ1xuH2T8" title="Coverage Ratio (%)">7.6</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgLppkQQ5rm1" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">3,699,167</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_906_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUVvRV4GVou1" title="Gross exposures (percent)">95.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVOkYApUOSi5" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">282,976</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_909_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znYS5frchHfh" title="Credit Loss Allowance, Percentage">96.1</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_901_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zY4h4OvX9v92" title="Coverage Ratio (%)">7.6</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zoM9aQj7Wbm6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">161,678</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNlClsP0y99a" title="Gross exposures (percent)">4.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbSYXjRhHTbh" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">11,615</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_901_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuBEDkRQswV7" title="Credit Loss Allowance, Percentage">3.9</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_90D_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRhcoG0tDTCh" title="Coverage Ratio (%)">7.2</span>%</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> <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%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zfQt2TQjuzzd" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>3,524,441</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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zJBsjA73Asab" title="Gross exposures (percent)">24.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z8yWerEjd1U6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>1,659,631</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zQPtxBQt8r7e" title="Credit Loss Allowance, Percentage">79.2</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_901_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zSAipEKg1n8f" title="Coverage Ratio (%)">47.1</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCxSV7aSFVre" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,110,982</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_90D_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSMcG2YPthSb" title="Gross exposures (percent)">31.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfyuolKzzDpl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">268,455</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmSXeeZirU7b" title="Credit Loss Allowance, Percentage">16.2</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoCAJLgK5XY9" title="Coverage Ratio (%)">24.2</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQ9J9KLlkjm6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">1,307,045</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIpLROHFxRAh" title="Gross exposures (percent)">37.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zAHmK0TQ2Q56" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">465,772</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%"><span id="xdx_905_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCdjvPaXP3Y2" title="Credit Loss Allowance, Percentage">28.0</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_904_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVlq2RTAoEE5" title="Coverage Ratio (%)">35.6</span>%</span></td></tr> <tr 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%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9P8FZswsjre" 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%">1,106,414</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9aU6JbwlQ49" title="Gross exposures (percent)">31.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzS4imOCNIf4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">925,404</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_904_ecustom--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYXcbnmilksj" title="Credit Loss Allowance, Percentage">55.8</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_907_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zPIVmFrBtVGl" title="Coverage Ratio (%)">83.6</span>%</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zQc1c7T4P5x8" 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>14,488,304</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: 8pt; line-height: 115%"><b><span id="xdx_904_ecustom--CreditExposureRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zcXqEG6dIDR5" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zbmQWXlb6Kc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>2,096,269</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--CreditLossRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zJrRbDIt6fy1" title="Credit Loss Allowance, Percentage">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_905_ecustom--CoverageRatio1_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z7mtIAj2Gbck" title="Coverage Ratio (%)">14.5</span>%</b></span></td></tr> </table> <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 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="vertical-align: bottom; background-color: white"> <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: 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: 14%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Coverage Ratio (%)</b></span></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%"><b>Strong (PD < 5%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zMfA9nUEvjnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_901_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zMZ1QnO9OOol" title="Gross exposures (percent)">65.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_z6Qgl29jhrl8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_909_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zIj9vRQ84Qy9" title="Credit Loss Allowance, Percentage">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_90B_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditOneMember_zY3oJmV8Ehv8" title="Coverage Ratio (%)">1.9</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zh9WyKN3KxMg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_zdtEErYHIdN" title="Gross exposures (percent)">99.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE45tUcPbSW" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_900_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCWCtcJXFICl" title="Credit Loss Allowance, Percentage">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_909_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zsI2JdSu1BZ9" title="Coverage Ratio (%)">1.9</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdENpBhsX8td" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_90F_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLpd1C1Ie8xl" title="Gross exposures (percent)">0.3</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXPXFZiNhMI9" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90E_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zxGlhH5SEwvj" title="Credit Loss Allowance, Percentage">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_90E_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z5Jkfv5HHvlj" title="Coverage Ratio (%)">1.6</span>%</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> <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%"><b>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zy71jgplMWl6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_900_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zQAICmgDhBN5" title="Gross exposures (percent)">15.9</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zRhxhN2TJlXl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_908_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zyNo2dRpuzL7" title="Credit Loss Allowance, Percentage">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_908_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember_zdUd03Vl1h1j" title="Coverage Ratio (%)">8.0</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAiY6N7ZaCY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_909_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zUFoMHBuEpR" title="Gross exposures (percent)">83.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXQca0hDo5S2" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_905_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNVCUn9Ia9C7" title="Credit Loss Allowance, Percentage">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_901_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQOuU6Jae1Le" title="Coverage Ratio (%)">8.2</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIJfHVDddcv8" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_909_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4yJtK9zouF3" title="Gross exposures (percent)">16.9</span>%</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--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zd368sZhliQ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_903_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNp7xErSX13l" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zAW3T1mQBaSk" title="Coverage Ratio (%)">7.5</span>%</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> <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%"><b>Higher Risk (PD > 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zZ3MiuRiozw2" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_907_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z2QzghRLSS9d" title="Gross exposures (percent)">18.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_zLyMjWVC5Lqe" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_ztKUcITh9Hzd" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember_z73ZuwKUnbd7" title="Coverage Ratio (%)">48.4</span>%</b></span></td></tr> <tr 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%">Stage 1</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVpKLeH0vDY9" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_901_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqIvz3pVJQwi" title="Gross exposures (percent)">26.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zhSHVv9fDZRj" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_90F_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znB5akdivR5k" title="Credit Loss Allowance, Percentage">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_90C_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGLA5b8i7vHe" title="Coverage Ratio (%)">24.8</span>%</span></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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbCEmB2LLZxj" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><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_90C_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zYlQfdu4mpwl" title="Gross exposures (percent)">38.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh846uxeRPM1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_903_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVhiEUl7NVph" title="Credit Loss Allowance, Percentage">28.7</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_901_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zX1Nxi8muKtg" title="Coverage Ratio (%)">36.1</span>%</span></td></tr> <tr 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%">Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zEcaYdgZHSaj" 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%">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_908_ecustom--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zvnib5oe97ae" title="Gross exposures (percent)">35.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQgSsPlJSIIh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><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_908_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9Sn0kg0ngTi" title="Credit Loss Allowance, Percentage">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_906_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpQE2DVUErYf" title="Coverage Ratio (%)">79.1</span>%</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--CreditExposure1_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zRfZniBm7YRe" 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--CreditExposureRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zgYURHwd6ne3" title="Gross exposures (percent)">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z2EhXHwd6GQ8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_902_ecustom--CreditLossRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_zDFKf7wd1zre" title="Credit Loss Allowance, Percentage">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_903_ecustom--CoverageRatio1_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--TotalMember_z8aYwFTIePNd" title="Coverage Ratio (%)">11.3</span>%</b></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Credit Quality Classification Gross
DisclosureCreditQualityClassificationGross
|
<table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--DisclosureCreditQualityClassificationGross_zCuGy2gVg2Gi" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Credit card receivables (Details 4)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zuPTj5XmQzT9" style="display: none">Schedule of credit quality classification gross </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: 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 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="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: 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>Stage3</b></span></td></tr> <tr style="vertical-align: bottom"> <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>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: 23%; 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_907_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zlSdSQlqJee2" 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_909_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZHyoNXYjcX4" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZJsgtkhd9Fl" 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_902_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z3CHchqNdT0j" 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_90F_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziiwTRWGEMe5" title="Credit quality description"><span id="xdx_907_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuEgNF9Qaa49" 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="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; width: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 23%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_908_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zFWQ94QC6q6h" title="Description of probability default">5.0% to 20.0%</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 20%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90B_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNoV6vjEFj53" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zj7IW0CmGDb4" title="Credit quality description">Satisfactory</span></span></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 20%; 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: 20%; text-align: left; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_90C_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zStSQklpTnP9" 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_904_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziv1SOUfViv8" title="Credit quality description"><span id="xdx_904_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z04BgRQtTvHl" 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="vertical-align: bottom; 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: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_909_ecustom--DescriptionOfProbabilityOfDefault_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z95Hbe8wPw1i" 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_901_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoG9DGCPshie" title="Credit quality description"><span id="xdx_90F_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4HfjRuPy0Nb" 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_90E_ecustom--ProbabilityOfDefault1_dp_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4RETGddnT84" 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_908_ecustom--DescriptionOfCreditQuality1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zRUqGuQqXtia" title="Credit quality description">Higher Risk</span></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Credit Allowance Changes Explanatory
DisclosureCreditAllowanceChangesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--DisclosureCreditAllowanceChangesExplanatory_zh1UYdAQ8Aab" 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: left; line-height: 115%"><span id="xdx_8BA_z1ivf5AwhU8b" 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: 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 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: 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: 17%; 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_984_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZCjOcVyoCIa" 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>322,970</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zCeIkJoj08ek" 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>254,181</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zL2nrux14u8f" 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>473,517</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6rCY24TCsU1" 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>1,050,668</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_982_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIJCjGctaASe" 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%">(33,880)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zoLeQ9yHewpl" 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%">33,880</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6LSAXkFqPk1" 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: xdx2ixbrl2943">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z7j2yfr8uxUa" 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: xdx2ixbrl2945">-</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_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE7lSHKOUxyc" 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%">56,981</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zekmwkZRou9k" 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%">(56,981)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zzZVypFZDpH1" 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: xdx2ixbrl2951">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEqFcpzOA5q5" 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: xdx2ixbrl2953">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zTyTLkPLAH78" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(63,264)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEKYb894hBJc" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(170,141)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAdoyYLjPeMi" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">233,405</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zsV6NRO5ktQ4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2961">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrKvqT8xOTc7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">15,489</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zg1KbqTVmJt3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,693</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zIzR3S6QP2Y7" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(20,182)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zymt9MBVPLi9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl2969">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zg0M3776reW6" 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: xdx2ixbrl2971">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowance_pdn3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zzD44uTxYii6" 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: xdx2ixbrl2973">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1zIRRCwKgHi" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGwU927MbNz3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td></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_981_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zGByZT5WVzC3" 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%">349,215</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlSQ7mLGA6G9" 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%">381,447</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zviOJC5y974a" 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%">1,119,044</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zAnwpX0zNNh" 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%">1,849,706</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_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_z2JSjUa0Vc04" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>157,928</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zZFiEwOQj695" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>15,748</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zqxBC3L3kjk" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>8,999</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NewOriginationsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zig1FvDZOnnc" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations"><span style="font-size: 8pt; line-height: 115%"><i>182,675</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_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_z2tnO2V9duWi" 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>275,749</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zWxOVwDDrNMh" 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>13,706</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zQ7vKZCncpAa" 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>2,280</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z2pJYzSJCHF9" 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>291,735</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_985_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zJFdH14gPbnh" 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>(170,839)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh8newcuPz63" 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>310,683</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCTrDveCeq3g" 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>1,087,561</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--DueToExposureAndRiskChanges_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zFjWkNkcYIVe" 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>1,227,405</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_98C_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zmRklIWhuQq" 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>86,377</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zJmpIShYPeO3" 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>41,310</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zc2gi3DTnhOk" 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>20,204</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zPveix3t79Uc" 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>147,891</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_98A_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWG8ggcKqc1i" 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%">45,640</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkeLj2OrrOPb" 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%">30,635</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOUf35Yf7Q2h" 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%">54,903</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znJzFfvk06Sd" 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%">131,178</span></td></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_986_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjMdfT9dMOYa" 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>693,151</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFKMMg3lQc86" 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>477,714</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z5bQO0iOLDSd" 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>925,404</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlNnTscXEZ6i" 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>2,096,269</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> <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>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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_983_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9WaZn0FKjek" 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_982_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zMXUkw6fR68e" 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_987_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zKrak2jo3cgg" 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_984_ecustom--LossAllowanceYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zSSLQYcxvXha" 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_989_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z484yQWSiNCe" 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_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zP1fO7R4eBP2" 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_986_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJi26MWWgbld" 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: xdx2ixbrl3047">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zHjJgEEaLz21" 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: xdx2ixbrl3049">-</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_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZB6uXcxP9fl" 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_98C_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqz9BCeDkpCf" 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_98F_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zn1ogtzy6Elf" 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: xdx2ixbrl3055">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGwRuzjdKUk4" 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: xdx2ixbrl3057">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z2gmPJ5luzPh" 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_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuDzWD7ObCul" 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_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zJfoZNcRu6E2" 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_98E_ecustom--TransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zh7j2maH8aW4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3065">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9q8zuXR5kL4" 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_98E_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB7QKS4Y1dX5" 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_988_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zwVQr60OTnJf" 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_982_ecustom--TransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLgocyuAJZJ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3073">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrzPPazcKNq7" 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: xdx2ixbrl3075">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zPIhjenjaNI7" 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: xdx2ixbrl3077">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znEgMZkKHHSj" 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_98C_ecustom--WriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvnJdhFRyZ5e" 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_985_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zab9SE552FC7" 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_989_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvCzwVCeou1f" 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_983_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zymLlzAJVsP1" 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_982_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6VGHQk9624c" 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 18.75pt; 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_989_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zVChOT6FoMm5" 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: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zSo8H86Ytho4" 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: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zSN0vGbyZhl7" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--NewOriginationsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zWTpOltfXRT9" 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 18.75pt; 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_987_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zRqgIUuHzbxf" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zCmCVfrTr7Di" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_z5RwduSkkWx" 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: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zMlQQ8mtV3P9" 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 18.75pt; 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_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCXZLMNefIxc" 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: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEJnDcbp7C11" 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: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpBnAYjMWhuc" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DueToExposureAndRiskChanges_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z5rwwpSEf45e" 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 18.75pt; 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_984_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_z2pmXnqUcUd1" 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: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zJfDqKU5Fvf8" 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: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_z1ahFXwe8wA6" 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: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_z9WV0UwFNPB2" 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_98C_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmR1gfDP46ha" 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_988_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjEi0WQZkeIc" 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_983_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmq3logkobva" 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_987_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgU66tflI9E7" 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_989_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVGFz0MAd3ql" 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_985_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zipVDNA3NoI5" 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_98C_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjmGVsDH5cSc" 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_985_ecustom--LossAllowanceYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zej0oTOpCQlk" 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 style="vertical-align: bottom"> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 38%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</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>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</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>Total</b></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE8hBj3rVk5j" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>79,296</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zz1aEQn2v7T9" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>60,391</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z295fTMqxh57" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>77,855</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--LossAllowanceYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKsYxOVEVuAf" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>217,542</b></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfgtmUXYEQ8i" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(10,514)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zrHX3wRgAYPk" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">10,514</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zroOPOPcIxyd" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3151">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVWKksNOYKs" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3153">-</span></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8eBVwJm9Odd" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">17,840</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zErW0UKujAR" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(17,840)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zovBMBGCyDIj" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3159">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--TransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zegaavsHKFx3" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3161">-</span></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIjNcdssxe5j" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(7,023)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zktarJDF5One" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(13,176)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuCcawRQWEUl" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">20,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--TransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyozXJhCWr45" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3169">-</span></span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zjSKKiCQB3fc" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">151</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQMaDiiQLg3d" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">70</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCbh4nfZDNUj" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(221)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zSnJIdnnrRK6" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3177">-</span></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zOeQqFEkbFCe" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3179">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRFKbvqpjiA1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3181">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z228KGbbrzd1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(118,518)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGcwXSE4oi0g" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(118,518)</span></td></tr> <tr style="vertical-align: top; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9ypwuUPhRRb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">54,096</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zl6outaFDcO9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">92,658</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuyv1CO3d4ek" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">164,847</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--NetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeJ1DOoU9DIl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">311,601</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>New originations (a)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zPJ6f8DUEDL5" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>94,367</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_z0nfAnEO4fgc" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>9,547</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmYYdef85is5" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>3,979</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--NewOriginationsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_z2mIsaZcvQd8" style="padding: 2pt; vertical-align: top; text-align: right" title="New originations"><span style="font-size: 8pt"><i>107,893</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Changes in exposure of preexisting accounts (b)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98D_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zwUN9BGEVXHl" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>120,420</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zrHrSeMxONng" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>2,585</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zvzUNijufETa" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>363</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesInExposureOfPreexistingAccounts_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zRvZwFUyIkn4" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes in exposure of preexisting accounts"><span style="font-size: 8pt"><i>123,368</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Net drawdowns, repayments, net remeasurement and movements due to risk changes</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8BHnI2Loi1b" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(161,906)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcwHznGJ7L9h" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>79,282</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFFipxXSfVx5" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>160,186</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--DueToExposureAndRiskChanges_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6OWgoCKY8L8" style="padding: 2pt; vertical-align: top; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>77,562</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><i>Changes to models used in calculation (c)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGMp_zmRU0zN3D6cl" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>1,215</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGMp_zdLmo7zWQG0i" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>1,244</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGMp_zyroVQImdpk2" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>319</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_987_ecustom--ChangesToModelsUsedInCalculationB_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGMp_zqbyfkjZLdi5" style="padding: 2pt; vertical-align: top; text-align: right" title="Changes to models used in calculation"><span style="font-size: 8pt"><i>2,778</i></span></td></tr> <tr style="vertical-align: top; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM8n6GRi4hDi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(6,488)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU4iqMtRY7j9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(6,225)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQa5DofbfmN6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,233)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--EffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgZSDeT547Tk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(19,946)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3sxf6jcnl4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>127,358</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98F_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zxznEOjNspve" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>126,392</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zVAyMao3AFpk" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>136,929</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_984_ecustom--LossAllowanceYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVsnHYaEHjZd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>390,679</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 style="text-align: justify; width: 3%">(a)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(b)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(c)</td> <td style="text-align: justify; width: 97%">Changes to models that occurred during the period include calibration of ECL parameters reflecting changes in the Company’s underwriting policies and collections strategies, and inclusion of more recent risk and recoveries data.</td></tr> </table> | |
| CY2023 | nu |
Disclosure Credit Allowance Changes Gross Explanatory
DisclosureCreditAllowanceChangesGrossExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--DisclosureCreditAllowanceChangesGrossExplanatory_zezzWq5V3qA5" 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; text-align: left; line-height: 115%"><span id="xdx_8B6_zLnxcTNWJ0L8" 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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_988_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQlx4JJvFaWe" 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>7,750,270</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z7216U1wOuXf" 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>917,178</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zCcj1Fi2oxh8" 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>598,777</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingYear_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zZOP0pzrDgId" 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>9,266,225</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_986_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFHAkYaZt5a6" 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%">(581,044)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zzSdsj8shAIf" 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%">581,044</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYE6uy881B1k" 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: xdx2ixbrl3257">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgMLi5JU8QX1" 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: xdx2ixbrl3259">-</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_982_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z41CD0GvEg1l" 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%">307,046</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKC82VoGXwmg" 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%">(307,046)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zWpjoRgitph4" 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: xdx2ixbrl3265">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zz8jUT1xzH5e" 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: xdx2ixbrl3267">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZvl3SEftgCf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(554,432)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4uHr8tqXtbb" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(383,006)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqegF3Aes6gf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">937,438</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z8GqN17pb5G6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3275">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zORUjQ5JYC3f" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">20,523</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFAxIkzfGFy9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">6,235</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zHM6qUFbOD05" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(26,758)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zVOIzIspiW89" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3283">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziTvP1PhsaWi" 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: xdx2ixbrl3285">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfADLm5oERJ6" 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: xdx2ixbrl3287">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zovB98Q65JI6" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zq0V86UUXcT7" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(935,283)</span></td></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_988_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zl8Fa54CqXJd" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">4,109,980</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUJ52Wpyk7vc" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">576,369</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z6gCPdK2mHH6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">462,050</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXgiIOhk0JH8" style="padding: 2pt; text-align: right; line-height: 115%" title="Net change of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">5,148,399</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_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVnoKX4sOIjh" 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%">839,480</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zGUCbtYYe6hh" 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%">99,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z46oPQ0cahPe" 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%">70,190</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zQB5u7R6gkMf" 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%">1,008,963</span></td></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_98F_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ztGe4RnxqnGg" 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>11,891,823</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zupc3JWHPz1j" 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>1,490,067</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z76wkqXrLnik" 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>1,106,414</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingYear_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zQt1eGsDchs3" 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>14,488,304</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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 38%; 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>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: 16%; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1iFHDUm0Le1" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkt6xE3w2q3a" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkFwGWE3ZDBj" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingYear_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z42eGlodhR0c" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0CLZmhnMXQ" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDwajLbxEUt4" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjIcIhaNDC0j" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3329">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zXIv9niXodDh" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3331">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zp3VpWImYHKi" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0HWYw93xYmh" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z1UmASRVDTOl" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3337">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDAFQ4xaeLva" style="padding: 2pt; vertical-align: bottom; 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: xdx2ixbrl3339">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znA1WtNDYaog" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_znvDt9Owijp1" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zi3kAvYUHqc5" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zbJSARIBYrT" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3347">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zR2lRJA5x3me" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHbNDbDQb1u2" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOpVwPkKtkBc" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zUiBsPM4Zn68" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3355">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zr8ZQrCJzXQ9" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3357">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlVS5h401aK6" style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3359">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zZpnPOlcv3qa" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGaGtYsJSYQ7" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znMJjxEOGdl6" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB0SIll7sle3" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zKoC06uc64vc" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z92kbPINt1A2" style="padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zkB9FrxKbpCi" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpQCY3nxr6Z8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z3Qx6cIlbdq3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2T9Sm6vQHKa" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: top; 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; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmtAIBKtKAO8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSsIrfomrgSi" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z2hVu5CMb1yb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingYear_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGFYPHFF3qvk" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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: 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; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding: 2pt; width: 38%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</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>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</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>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNvavgxcqm4d" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>2,799,999</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z4EboCLo18X" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>202,673</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zO1Rh8JnU8L9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>116,200</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingYear_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znEeN8C2o5Wj" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>3,118,872</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuQSSrxU8MZ2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(168,654)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdcfPnwhdJMf" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">168,654</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zj0wrjEJZ8j2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3401">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage1ToStage2_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zKmegeqISP69" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3403">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zo8E7Ug5voLg" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">73,448</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zp5snNATME5c" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(73,448)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjukjoHme7da" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3409">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersFromStage2ToStage1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4cmlSSSfQE7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3411">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNiJFdBnLD5j" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(72,328)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztje13u9cPRi" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(41,112)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAaPF1Ai5wjk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">113,440</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersToStage3Value_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zD0k1lLwJln4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3419">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znpymTTniJAj" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">156</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwFG55pLRHNd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">68</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0Wt72jayaPh" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(224)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingTransfersFromStage3_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYtahLTG3qT5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3427">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv04uzjjScX7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3429">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDLYDHIE0bWc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl3431">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z9HE6fsLRfvb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(120,071)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingWriteoffsLossAllowance_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTqzniTdsih8" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(120,071)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net change of gross carrying amount</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z8ARgxap3vx5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">2,145,118</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zR69N9KOm025" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">205,148</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z17G1HUuRl0b" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">97,356</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingNetIncreaseOfLossAllowanceValue_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zrb2XFLakm7d" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net change of gross carrying amount"><span style="font-size: 8pt">2,447,622</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxLgfxBXDPb7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(252,050)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1r86FAU5Kc7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(21,878)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zLD0y7XNBOc6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(10,342)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingEffectOfChangesInExchangeRatesLoss_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zb5fZqxpfn56" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(284,270)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_981_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zdsOKB2LyK2h" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>4,525,689</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zh3tNIVUcYpb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>440,105</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8bNpK65ceR7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>196,359</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingYear_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z9BW7mwBurnf" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>5,162,153</b></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Loans To Customer Explanatory
DisclosureOfLoansToCustomerExplanatory
|
<p id="xdx_80E_ecustom--DisclosureOfLoansToCustomerExplanatory_zZZTvsvc5F7k" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 1.5pt 10pt 0; text-align: justify">14. <span id="xdx_827_zI5LeVS82F8d">Loans to customers</span></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfBreakdownOfReceivableTableTextBlock_zBAuWMVY2l08" 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-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B7_zL56DLEeuEi5" style="display: none">Schedule of breakdown of receivables</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49B_20230101__20231231_zzRo5pAhqlF2" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231_zI2HvaK19Qn9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr id="xdx_406_ecustom--LendingToIndividuals_pn3n3_zYwY00bx2Ye4" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Lending to individuals</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">3,713,770</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,976,499</span></td></tr> <tr id="xdx_409_ecustom--LoanEclAllowance_pn3n3_zB8X2AxxnKD6" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Loan ECL allowance</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(512,134)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(300,223)</span></td></tr> <tr id="xdx_406_ecustom--TotalReceivables_pn3n3_z25SL5KUUIC8" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total receivables</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,201,636</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,676,276</b></span></td></tr> <tr id="xdx_40E_ecustom--FairValueAdjustmentPortfolioHedges_pn3n3_d0_ze2KuLfy44xf" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Fair value adjustment - portfolio hedge (note 19)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">698</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(2,836)</span></td></tr> <tr id="xdx_40C_ecustom--CurrentLoansAndReceivables1_pn3n3_zI8LmxDQpT55" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>3,202,334</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,673,440</b></span></td></tr> </table> <p id="xdx_8A7_zQyeMVQp4oif" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Breakdown by maturity</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, 2023, and 2022, considering each installment individually.</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfBreakdownByMaturityTableTextBlock_zRTJ8T3QcpFa" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B5_z1x7j16yB4P" style="display: none">Schedule of loans to customers 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 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="3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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>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>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: 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>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: 13%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>%</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>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_985_ecustom--BreakdownByMaturity_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zIy6dYMR2k7f" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">551,677</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_z3Cb7fHX2eW1" title="Total not overdue installments percentage">14.9</span>%</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--LessThanThirtyDaysMember_zERciicHm8za" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">273,837</span></td> <td style="padding: 2pt; text-align: 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--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zWPVl8d57Rfh" title="Total not overdue installments percentage">13.9</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_986_ecustom--BreakdownByMaturity_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zlZ7YDxGvKQ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">520,450</span></td> <td style="padding: 2pt; text-align: 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--BreakdownByMaturityRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_z214fyUVn4Ji" title="Total not overdue installments percentage">14.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zUchZVscKiF9" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%">271,682</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 id="xdx_900_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zH53QOYMIqt9" title="Total not overdue installments percentage">13.7</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 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--BreakdownByMaturity_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenSixtyDaysMemberMember_zDNogRaiQpT4" 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%">2,495,650</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_90A_ecustom--BreakdownByMaturityRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenSixtyDaysMemberMember_zPza8EInXWd3" title="Total not overdue installments percentage">67.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--BreakdownByMaturity_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenSixtyDaysMemberMember_zlPtVDPgkRW1" 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%">1,350,302</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenSixtyDaysMemberMember_zJNMU8uFLR5d" title="Total not overdue installments percentage">68.3</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%"><b>Total not overdue installments</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BreakdownByMaturity_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_zJm07VdOdIDj" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>3,567,777</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--BreakdownByMaturityRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_zGypVpJ2k9ql" title="Total not overdue installments percentage">96.0</span>%</b></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--TotalNotOverdueInstallmentsMember_zIUxxD9rPF61" style="padding: 2pt; text-align: right; line-height: 115%" title="Total not overdue installments"><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_90A_ecustom--BreakdownByMaturityRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalNotOverdueInstallmentsMember_zujv8f32xQn6" title="Total not overdue installments percentage">95.9</span>%</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>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_980_ecustom--BreakdownByMaturities_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zRoIlDv5Fk59" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%">53,986</span></td> <td style="padding: 2pt; text-align: 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--BreakdownByMaturitiesRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zOViQSAsLTFf" title="Total overdue installments percentage">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--BreakdownByMaturities_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zAMcE2yqpsB" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><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_90A_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysMember_zYxV7Gy8ZkFf" title="Total overdue installments percentage">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_98A_ecustom--BreakdownByMaturities_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_z7iiGs7t2Cl3" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%">32,469</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%"><span id="xdx_905_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_ztKjIQkFoRMk" title="Total overdue installments percentage">0.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--BreakdownByMaturities_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_z12U724YlE04" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><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_90C_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanThirtyDaysAndSixtyDaysMember_zGaCsfzQ9t94" title="Total overdue installments percentage">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%">60 < 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--BreakdownByMaturities_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_zlqJvb611Mmk" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%">23,135</span></td> <td style="padding: 2pt; text-align: 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--BreakdownByMaturitiesRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_z8DnIT2Rv0Xj" title="Total overdue installments percentage">0.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--BreakdownByMaturities_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_zzulf241UoO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><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_906_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--LessThanSixtyDaysAndNintyDaysMember_zKuQjo6EPMdd" title="Total overdue installments percentage">0.7</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%">> 90 days</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BreakdownByMaturities_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zZzlCm5BsFEl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%">36,403</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_90A_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zjJ5wUmdgRnk" title="Total overdue installments percentage">1.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--BreakdownByMaturities_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zFSS0e5y6WWa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%">18,663</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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_903_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--BetweenNintyDaysMember_zOwknttJaJP5" title="Total overdue installments percentage">0.9</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 44%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--BreakdownByMaturities_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zOd8HnSP2ftg" style="border-bottom: Black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>145,993</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; text-align: right; line-height: 115%; width: 13%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_90E_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_zAuyiFpcN3n7" title="Total overdue installments percentage">4.0</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BreakdownByMaturities_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_z9urnjlknY2k" style="border-bottom: Black 1pt solid; padding: 2pt; text-align: right; line-height: 115%; width: 13%" title="Total overdue installments"><span style="font-size: 8pt; line-height: 115%"><b>80,678</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: Black 1pt solid; padding: 2pt; text-align: right; line-height: 115%; width: 13%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_907_ecustom--BreakdownByMaturitiesRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalOverdueInstallmentsMember_z8pBRS5GDyH9" title="Total overdue installments percentage">4.1</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_98E_ecustom--BreakdownByMaturity1_pn3n3_c20230101__20231231_zyPYiKWjwSe3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total installments"><span style="font-size: 8pt; line-height: 115%"><b>3,713,770</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--BreakdownByMaturityRatio1_iI_dp_c20231231_z2l6VyiHEG73" title="Installments percentage">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--BreakdownByMaturity1_pn3n3_c20220101__20221231_zStsYAUDEMul" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total installments"><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_902_ecustom--BreakdownByMaturityRatio1_iI_dp_c20221231_z7yponjcx1E5" title="Installments percentage">100.0</span>%</b></span></td></tr> </table> <p id="xdx_8A7_z3FEn7k16hna" 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) 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, 2023, the loans to customers ECL allowance totaled US$<span id="xdx_90E_ecustom--LoanEclAllowance_iN_pn3n3_di_c20230101__20231231_zn1q2xTTfO6b" title="Loan ECL allowance">512,134</span> (US$<span id="xdx_902_ecustom--LoanEclAllowance_iN_pn3n3_di_c20220101__20221231_z68wyQym5K72" title="Loan ECL allowance">300,223</span> as of December 31, 2022). The provision is estimated using modeling techniques, 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 (the coverage ratio) is also monitored in order 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 disclosed in note 4</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The majority of the Group's loans to customers’ portfolio was classified as stage 1, followed by stages 2 and 3, respectively as of December 31, 2023 and 2022. The proportion of stage 1 exposures changed to 76.2% on December 31, 2023 compared to 77.0% on December 31, 2022, while the overall coverage ratio showed a decrease to 13.8%, from 15.2% in December 31, 2022.</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--DisclosureOfCreditLossAllowanceByStagesExplanatory_zgFniF6o3qwl" 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_8BE_zgoNkgFs5809" 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: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 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%"> </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>2023</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: 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: 12%; 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: 12%; 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_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z34YExBsflrg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>2,831,131</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5iPN0JoO7R8" title="Percentage of gross exposure">76.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7t9k2aqiVn1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>145,341</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCPsC7nPAS3g" title="Percentage of credit loss allowance">28.4</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_900_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3V2ibtKX527" title="Coverage Ratio">5.1</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_988_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBmf7HP8Eu8f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>648,296</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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqvcM3SYj7N5" title="Percentage of gross exposure">17.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdoTaoiMhtef" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>223,982</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0mAAGbw5MN2" title="Percentage of credit loss allowance">43.7</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_906_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZigst9dH4Ml" title="Coverage Ratio">34.5</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_980_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zsgGKMyUKOf1" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">138,919</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zlmFGrSwZa5b" title="Percentage of gross exposure">21.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zbKOS7E8QL88" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">113,649</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zLj424Ypjib9" title="Percentage of credit loss allowance">50.7</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_901_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zRVQBuKAnXy9" title="Coverage Ratio">81.8</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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--CreditExposure_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zVDycBbLMwk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">509,377</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zLEPxkLfNkr1" title="Percentage of gross exposure">78.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zd25U02s8Qa6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">110,333</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zRYT9TvTln6c" title="Percentage of credit loss allowance">49.3</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_901_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zDMQBsHSeBs1" title="Coverage Ratio">21.7</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_98D_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcwqUSBooydb" 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>234,343</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7cU3Gz0haod" title="Percentage of gross exposure">6.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztcfY3Vwr4Cc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>142,811</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zoUGcoTb8vYh" title="Percentage of credit loss allowance">27.9</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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zwX3ERAPtr5a" title="Coverage Ratio">60.9</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0xzQbFLetCb" 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>3,713,770</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMSMDgRNNFdb" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zh6MLeE0CsEl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>512,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z520ORsyTYL9" title="Percentage of credit 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_908_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLNlQKvbeBpd" title="Coverage Ratio">13.8</span>%</b></span></td></tr> </table> <p style="font: bold 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>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 35%; 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>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: 12%; 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: 12%; 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: 12%; 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: 12%; 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_983_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziHTQOKZOMzk" 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_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCeeepIlXzs6" title="Percentage of gross exposure">77.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zb4nBrtzlLGg" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKbKFC39SBCd" title="Percentage of credit 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_90A_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbT379zAF1Mi" 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_987_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEUVwcmU9Om6" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zyl4tyR4kYMj" title="Percentage of gross exposure">17.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z5VQpDmuGPQc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zy7EQaxdIos" title="Percentage of credit 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_90D_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKduxqEea3u2" 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_985_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zsRMPiMNM7jd" 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_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zxoRUfz8EWLf" title="Percentage of gross exposure">25.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zZ64O2AMPjo5" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_907_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zxRaUaCNOk55" title="Percentage of credit 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_905_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zjT3sFeAMMS1" title="Coverage Ratio">86.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 35%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zMC0QZO41FRd" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zrqKeK7CMP24" title="Percentage of gross exposure">75.0</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zgJHAWhPMoff" style="padding: 2pt; width: 12%; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,621</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--RelativeTriggerPDDeteriorationMember_zEBeEwjxR5Z8" title="Percentage of credit loss allowance">49.0</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--RelativeTriggerPDDeteriorationMember_zIM5oKCzHzAa" 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_982_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXhotImAEklj" 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_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztWBcpQXh3x" title="Percentage of gross exposure">5.2</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__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYJhfEd9Ihk9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_902_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z2gk3zkvjtfc" title="Percentage of credit 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_901_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8bAH4tjT8T3" 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_98E_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zj9jzht2WlI5" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2P1gyx2gPyb" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEiIvdbtxRq3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjE9poHbZdhc" title="Percentage of credit 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_900_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgJP4oVAAb52" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p id="xdx_8AD_zU5reC4WnOJb" style="margin-top: 0; margin-bottom: 0"> </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_898_ecustom--DisclosureOfCreditLossAllowanceQualityByStagesExplanatory_zShLkWuFZfE1" 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_8BD_zYjc5vBcVS34" style="display: none">Schedule of 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 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>2023</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: 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: 12%; 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: 12%; 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_983_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zJeaxrJTumP5" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,437,136</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zLHQKtZ77htf" title="Percentage of gross exposure">38.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_z0RRfIucao7l" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>14,129</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zv5avvyG59Ol" title="Percentage of credit loss allowance">2.8</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_90D_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zWUSiNKbGhj7" 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_98D_eifrs-full--CreditExposure_iI_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zBLJDlQ5vhXh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">1,396,591</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNOSbpYdm497" title="Percentage of gross exposure">97.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv0Dar5k7gg4" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">13,441</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQIliqo8Db2i" title="Percentage of credit loss allowance">95.1</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_902_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWy5SmkFlAN5" 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_iI_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6LMiT4VtaUf" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">40,545</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zogndbue0e52" title="Percentage of gross exposure">2.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLai2gZVKqp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">688</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfJUot6z6ZEf" title="Percentage of credit loss allowance">4.9</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--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFMVWJvWYsh3" title="Coverage Ratio">1.7</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>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zCwR7eHb1l92" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,228,949</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zUP305JNnLn8" title="Percentage of gross exposure">33.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zPUHUZyngo73" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>69,361</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zycFMeZGqZN8" title="Percentage of credit loss allowance">13.5</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_90E_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zPT4KKRBVTue" title="Coverage Ratio">5.6</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_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zV3IHG7pEUK4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">1,081,293</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFzYbPox1Gsj" title="Percentage of gross exposure">88.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqo7DbwEzyN" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">59,291</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_90F_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxZNbmeuyGv9" title="Percentage of credit loss allowance">85.5</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--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv7gZGvxAmLd" title="Coverage Ratio">5.5</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_984_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zurYC6B5zWWi" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">147,656</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB0OVWKcSyy5" title="Percentage of gross exposure">12.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSwGQU55Sqrl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">10,070</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSak76KcJAek" title="Percentage of credit loss allowance">14.5</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIjLNbUjNuK2" title="Coverage Ratio">6.8</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_989_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zsaatKSHkD5k" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,047,685</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zh5FGCQ9JdSe" title="Percentage of gross exposure">28.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zELxx2yenNUc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>428,644</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><span id="xdx_907_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_znzG7Yojm72c" title="Percentage of credit loss allowance">83.7</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_904_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zFxbiBKuCJKg" title="Coverage Ratio">40.9</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_98E_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoXZNmKnx6Pa" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">353,247</span></td> <td style="padding: 2pt; text-align: 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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrRcpeYV0VQe" title="Percentage of gross exposure">33.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znvsbyHN5mnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,609</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%"><span id="xdx_90D_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0lLJHJKY2z1" title="Percentage of credit loss allowance">17.0</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_905_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zwtGU73Fdby8" title="Coverage Ratio">20.6</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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvQczC6Ck67a" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">460,095</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjYJb5Z7sG05" title="Percentage of gross exposure">43.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zf37WbqsaoCl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">213,224</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbA79m7uzc4l" title="Percentage of credit loss allowance">49.7</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU4mt8YPEUSk" title="Coverage Ratio">46.3</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_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUzcYFoYxMe5" 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%">234,343</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zGEsC5TZAbXh" title="Percentage of gross exposure">22.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znYHFnRlLXdk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">142,811</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjDeZvKtCunj" title="Percentage of credit loss allowance">33.3</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_90B_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcVrkYRB2Gri" title="Coverage Ratio">60.9</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_iI_pn3n3_c20231231_zDbhb0wti6a" 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>3,713,770</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231_z8XNqtHH8ZY8" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231_znPmxiFaeY3d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>512,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231_zOljGmm84Wk6" title="Percentage of credit 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_90C_ecustom--CoverageRatio_iI_dp_c20231231_zrmbYemg1dQ" title="Coverage Ratio">13.8</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>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 35%; 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>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: 12%; 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: 12%; 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: 12%; 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: 12%; 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_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zjNa5As3kCEl" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zmP6FTOzC528" title="Credit exposure ratio">42.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zOOXYhbG74Yi" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zNxrVP5mPkOc" 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_90A_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_z5X3plzaf6A9" 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_980_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zyMjkvTow0tc" 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_909_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLcGsheO4KRg" title="Credit exposure ratio">98.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zG3A7uuft78f" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKGh9Suh9Fsl" 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_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zL9sh8xCVDfa" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziEuFIf3a5gk" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6kManbbNvdc" title="Credit exposure ratio">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKx9rAwlKsTa" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqZna9Cpa2ee" 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_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1cmSCOrNmDd" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zVbJxGkCN2vd" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zdhqaWlA10N7" title="Credit exposure ratio">32.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zW6bV3wLvXec" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zwuibrtZOEO8" 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_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zG5q2bSjgYy1" 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_986_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z6yIQ3jv4bL" 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_902_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zR2eMySSrKv9" title="Credit exposure ratio">90.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zBlScznDi5Xe" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAMfG5EB1mw6" 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_90F_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_za7CMfA8xkV6" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zznoPWVLJG11" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkP3APSKUQy7" title="Credit exposure ratio">9.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zikdA1iCHUW3" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLiMb87r1cv3" 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_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBxNkY0cY6x" 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; width: 35%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zIHudhehhXs1" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zagYIQDj0yv4" title="Credit exposure ratio">25.4</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_ztUVU38kDaj" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zzW6Btem9vJj" title="Credit loss ratio">83.3</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zG1CmV2riIJ" 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_98D_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfeOeLB7dq3j" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zcAqgs8OYlp" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpWSkkyFxMT5" 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_90E_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z736V2uX0pP2" 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_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKIuIxG57D9f" 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_98C_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1Swbm2OFtMb" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkvD4j2nRo02" title="Credit exposure ratio">55.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvSzDy6kepC4" 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_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkwhhBoC4nze" 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_901_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNdaMLQ7pS05" 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_98C_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsIo1qT291qf" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z17mmViWbto6" title="Credit exposure ratio">20.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsRh2pfso2g3" 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_z4xpb1WrJbp" 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_903_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zS2Gc8FuyADe" 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_989_eifrs-full--CreditExposure_pn3n3_c20221231_zPfeQhOVIuGd" 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_90C_ecustom--CreditExposureRatio_iI_dp_c20221231_zvqUKSySBFb9" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231_zbIWPtL4pct3" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231_zGx8BYxE78tk" 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--CoverageRatio_iI_dp_c20221231_zMJCuAYj2V2l" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> <p id="xdx_8A3_zds5TA56ndb7" style="margin-top: 0; margin-bottom: 0"> </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 strong, followed by satisfactory and higher risk loans. Receivables with satisfactory and strong risk have a high distribution of stage 1. As of December 31, 2023, the total gross carrying amount of the portfolio increased by 87.9%, or US$<span id="xdx_90E_ecustom--GrossCarryingAmountOfPortfolio_iI_pn3n3_c20231231_zaERXnTS7tJ9" title="Gross carrying amount">1,737,271</span>, in comparison to December 31, 2022.</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_89B_ecustom--DisclosureScheduleQualityClassificationExplanatory_zt2KCrFg1ABc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 4)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_zDfcVKwJFW74" 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 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="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: 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>Stage3</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <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="vertical-align: bottom; 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_902_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade1Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z9OGKnyzgJ53" 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_90A_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1e3eS9bggBa" title="Credit quality description"><span id="xdx_907_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUymEYjjG7ui" 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="vertical-align: bottom; 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_90E_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade2Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zMiFPA0HPb8i" 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_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zk0gZyuf20d9" title="Credit quality description"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBDmRoJtofg6" 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="vertical-align: bottom; 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_90F_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade3Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zqby8fuCB6p3" 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_908_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zMhhGh95VLI9" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zniU8sxStZec" 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="vertical-align: bottom; 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_90F_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade4Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zIlDAZO8DdJh" 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_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIjZfCbXCCZc" title="Credit quality description"><span id="xdx_90A_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXSBbXZsrkgc" 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="vertical-align: bottom; 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_904_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade5Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z4SntdSfCGn9" 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_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFjKnIaeWGz5" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zP5lOFIlnk67" 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_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znJYYSFmQmTe" 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_907_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zp39HzbVBByl" title="Credit quality description">Higher Risk</span></span></td></tr> </table> <p id="xdx_8AD_znIiOteV8dua" 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">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 credit loss allowance by the stages of the financial instruments.</p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--DisclosureCreditAllownaceChangesTransferStageExplanatory_zi1Lqm7qIwM" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 5)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zbn0O6p73r01" style="display: none">Schedule of credit allowance</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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFd7za1Ix8y1" 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>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zguKHatv8vBj" 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>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqIPdvQ0tbVd" 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>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkI86KnGCeRk" 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>300,223</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_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4dCRHWDaAGk" 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%">(7,551)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHTEfWfltXe1" 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%">7,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zigaskQ8bJji" 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: xdx2ixbrl3962">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyNw9vBWhghg" 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: xdx2ixbrl3964">-</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_987_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znBv5wqZJyPj" 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%">16,983</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdxGcAOI8U3c" 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%">(16,983)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7lqNiEf0jD5" 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: xdx2ixbrl3970">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zoGPf3XWw1Se" 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: xdx2ixbrl3972">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE1hm0XNyQSd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(20,574)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQYhNznmCrx8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(111,067)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQ7BzT1CTft6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">131,641</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2RmBxKdN4He" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3980">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3byKS3lJwY4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,117</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zakvAnmIYYf3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,943</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8B7nFzp9sB3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(9,060)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpyA57naPHx9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3988">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0xDHsQzVmo6" 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: xdx2ixbrl3990">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlso8oDIusFb" 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: xdx2ixbrl3992">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zIMZmVKVbyVb" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zJniczFIhD" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 44%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHO4g4SkkaXe" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">68,198</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z06yv0TAChol" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">177,680</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOhMt3bYWYd7" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">388,478</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z35EcyLQYbGc" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">634,356</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_988_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zL4PfE0nnX6f" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>385,391</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zwABHxZ8hYg2" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>82,037</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zSDzVUrFlT4l" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>18,674</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zvTwQBOfSC27" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>486,102</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_987_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqmaBLYQLyaf" 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>(314,926)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcCFYgiiVLE1" 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>100,038</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zDZiaJ1x9i6h" 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>371,982</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zNcA5x8i1EXk" 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>157,094</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_98E_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zITFtxMsP155" 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>(2,267)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zmzIWSEO84D2" 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>(4,395)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zyI75H4ROUp7" 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>(2,178)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zCbdtnlwmxlb" 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>(8,840)</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_981_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1unzSb36V3d" 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%">7,714</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zljL8eafCJ19" 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%">13,625</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjY3bMVrmDGb" 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%">7,603</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znQVVfsqvQC" 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%">28,942</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_98A_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zzRGyHvKEAZe" 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>145,341</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIVcdlT6KTvd" 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>223,982</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpVXOIDsSS99" 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>142,811</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyGHaw5ubFM8" 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>512,134</b></span></td></tr> </table> <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>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 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></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 the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVAFSpZFVASc" 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_982_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWAThDoLFBki" 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_987_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXluaSukMuPh" 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_98B_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zmvHADk3vaa1" 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_989_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXgZ6z24Cb6" 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_98E_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUbyTjYB42Y6" 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_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zEagAv7peXX3" 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: xdx2ixbrl4058">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1UHAPJYmmHi" 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: xdx2ixbrl4060">-</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_98A_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zOwHCZYOZxh9" 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_98B_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztvVJUn0TAfl" 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_98C_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsuCFCxoIjp7" 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: xdx2ixbrl4066">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcHcZlCM1Zz8" 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: xdx2ixbrl4068">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgthpY6EfCT8" 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_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zTQkyBftLiu2" 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_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7pDq8sBluf7" 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_984_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zY4DQ5hcWFz6" 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: xdx2ixbrl4076">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCdpmF6lMN22" 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_986_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHp8cdAdH4lf" 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_98A_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFArnKN2DG58" 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_988_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zF1FoQpAU2kg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4084">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqF1zkASD1Xk" 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: xdx2ixbrl4086">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVrjTfLFALE5" 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: xdx2ixbrl4088">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zZEElct1GdY8" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpXT7myTT5We" 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_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziEFfANCN9fj" 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_984_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3ECmNMhrSng" 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_989_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zY1TJIeswM7e" 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_981_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zn9Y7WunJtD4" 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; 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_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zIliRCEt8WGf" 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_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zSdI1ypJbesf" 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_983_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmjmJQiIKQE" 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_98B_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zGiRrreQGuCd" 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%; text-indent: 2.25pt"><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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSkAyarlguOg" 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_980_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zS2kTpXco3ab" 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_980_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmetCPAftqOi" 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_983_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4sUYvyFCykj" 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; 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_987_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zMLZho5HZqCg" 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_983_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zJWeJtGgykz1" 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_98F_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zD1JRvuBGO56" 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_98D_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z610EKBhFbGg" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEXss7dEV0si" 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_986_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0ZDvr3uwyQg" 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_981_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjZzq5NXtcQg" 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_980_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlV7DUBn3jc2" 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_989_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpZOx57bHH2i" 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_981_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0RzAodbVoSe" 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_98D_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXtRgxYElGD6" 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_98B_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpCOh7X2SHL4" 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"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <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 style="vertical-align: bottom"> <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: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgQ7Mrf6HKRk" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>10,532</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlgBYjUEBU6h" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>7,136</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztsBtJd9PeWj" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>8,542</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeFilZqV3AHc" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>26,210</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHvgFge7dbF5" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(780)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zasqubgMnus8" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">780</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zlPrcKvvafef" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4154">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zD0ikeSJhUCc" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4156">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zn1EAfez7G93" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">685</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0NpKu0YPrY4" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(685)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFZJi8DwhpU2" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4162">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvuj6oKcAxXf" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4164">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmqu8lhEjgde" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(1,212)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpHqHIY17m72" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(904)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcjAchOPmDFi" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">2,116</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjvzWN9819Xb" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4172">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zg1mZCCdDpa4" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">16</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVrKizO3hIhf" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">142</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z89AGSwi8963" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(158)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIkClDiR8n7f" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4180">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zlJpaaW8WVt1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4182">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfIAEjQpP9ga" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4184">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAvM002lU8j7" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(13,223)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEFoJHX0Ibq4" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(13,223)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgQFrPDBgfmg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">62,363</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zyCtWct2ULqc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">69,152</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zW0hdQohrGF6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">60,563</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTOUFjvUBAPl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">192,078</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; width: 40%; text-align: left"><span style="font-size: 8pt"><i>New originations (a)</i></span></td> <td style="padding: 2pt; vertical-align: top; width: 1%; text-align: left"> </td> <td id="xdx_985_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zjJ2vY7yAe8l" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>159,299</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98F_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zEqBvMCevA8b" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>28,281</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_989_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zQvaRrLXcMxa" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>6,237</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_981_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zUublZZ8zAL8" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>193,817</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; text-align: left"><span style="font-size: 8pt"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_989_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z79AT62dix0f" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(93,269)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zw4N0zcx20Y4" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>35,759</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zSjKoyJ1H0Bl" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>54,297</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6T4f5nGvyf5" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(3,213)</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; text-align: left"><span style="font-size: 8pt"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zYPLnP9bJ3S1" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>(3,667)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zGSemRW2RUhg" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>5,112</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zXpwhq9sjaZe" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>29</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zvb7pPuT5pgc" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>1,474</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zP3dZQDqBKkf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,678)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z55ofktuIiXf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,686)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zy1OnBO1aOF7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,165)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTxOzKI8T036" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,529)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNGyQicPfF08" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlvUyrQ8HKad" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0NpJSHLY6w6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCl7aIofj5Ie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>197,536</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 style="text-align: justify; width: 3%">(a)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(b)</td> <td style="text-align: justify; width: 97%">Changes to models occurred during the period include calibration of ECL parameters reflecting changes in the Company’s underwriting and collections strategies and inclusion of more recent risk and recoveries data.</td></tr> </table> <p id="xdx_8A3_zkKcC7RTze36" style="margin-top: 0; margin-bottom: 0"> </p> <p 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> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfNetIncreaseOfGrossCarryingAmountIncludesPrincipalIssuancesNetOfPayments_zm9mQoF8i2Bg" 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_8B7_zn50Xk1niYah" 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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_989_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE7CAjW8sfij" 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>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zsEUcwPNoaz" 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>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBjeWR4dFEVd" 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>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z78YxL7iUWl3" 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>1,976,499</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_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWL1boRWtae7" 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%">(81,641)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZpwBJLTADc2" 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%">81,641</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zP8T0CyVnlT4" 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: xdx2ixbrl4252">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGvS7S3l4Mwd" 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: xdx2ixbrl4254">-</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_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbAt0uLIeaoj" 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%">70,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zV0K19fdsvo1" 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%">(70,293)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMnwB2g6Lme3" 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: xdx2ixbrl4260">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwZKhES3nzpa" 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: xdx2ixbrl4262">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSHdjEhoGIDf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(159,879)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdQIn3yQeVNd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(186,661)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z95jkke5WlM2" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">346,540</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znw344GLLKwh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4270">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZCaTFaTuRUf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,548</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNsEuxpvOYya" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">5,676</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpnj86eV6wv6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(10,224)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMqiLm7YJDhh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4278">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zJCygTANScl" 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: xdx2ixbrl4280">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDshTSHLQKFa" 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: xdx2ixbrl4282">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBEpFZrcZXU3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEyjDvLPEWxk" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td></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_987_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zf8fKboppwT5" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,311,806</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlJzFRefSjN6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">428,807</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z957hlnQ5VO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">232,682</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zmTw9jAt25Tg" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,973,295</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_98B_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zC1MdRLk24Wc" 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%">164,964</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNt8VusY0Js5" 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%">37,960</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zX5Pd6QhLaof" 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%">12,439</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIgsF56eWfN8" 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%">215,363</span></td></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_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLsspVMBznh6" 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>2,831,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHFpFiAxqio6" 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>648,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBfKjFppSQMl" 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>234,343</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwQ4WJ76lY8j" 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>3,713,770</b></span></td></tr> </table> <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>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>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zc2YBR7phGzf" 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_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfRxbV49yqSd" 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_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zF4yQybyNSV3" 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_989_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcS2Z8KTxjU1" 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_98D_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEELtQJHeDQi" 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_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziPQK0XmYNpk" 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_989_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4mOB2lkMOOc" 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: xdx2ixbrl4324">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDB1xrnVy20e" 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: xdx2ixbrl4326">-</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_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zk5bGYDHT6wf" 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_98D_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zv0d0qbhKV0c" 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_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zPg1HD02yB7c" 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: xdx2ixbrl4332">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zAlcy0koZaZe" 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: xdx2ixbrl4334">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM5IUTX7T8n5" 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_98B_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbHov6wSv3X5" 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_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zbgFae5GYSId" 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_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zRx8kILQdXM9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4342">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9dHcS68kimc" 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_982_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU66FPyoM2a4" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkPJuhYrDuqc" 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_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2lNrckwfjc9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4350">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNegzGzoUjmh" 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: xdx2ixbrl4352">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zozhq2zKlS3d" 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: xdx2ixbrl4354">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zHSGEXlsdEec" 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_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYtdvOSXWgv6" 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_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCkeMlnqALU" 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_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRV2su8f9SBd" 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_98C_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zykQ9jZgR197" 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_984_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyEuU4NaMI52" 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_988_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zwbZgK60zxU2" 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_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbpdqee6brpi" 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_98F_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdMexHDC3l6d" 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_985_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z92pTTy5QJSc" 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_982_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7wmAPyGj8Tf" 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_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvLzQuo8XVOa" 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_985_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFPPbFW2Rkn7" 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_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4MEWZThslQc" 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> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <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 style="vertical-align: bottom"> <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: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3hxdIymUmh1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>168,744</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z8hvSx8DBLVl" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>22,634</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z3IcuOkn1bF3" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>9,526</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGpZjojoZnJd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>200,904</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuCJg3foGTri" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(8,535)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuSAKxYWk4Ej" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">8,535</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7sXRUwuKQT7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4396">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpJ3nHIAk5j" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4398">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zw7hl6OQDILc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">3,279</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwMftkPIV0O1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(3,279)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjqpy9ZOxaQ1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4404">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zUDgNn5aF2cg" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4406">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM2JKHZ4ftb8" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(11,069)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zq17Lh1NNZwk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(3,324)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zTvptgjOGtl4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">14,393</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwkk2ekcz4Hd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4414">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHOAdfEjrkMk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">18</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zksaTmxSFW1g" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">160</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zx4hZWrORjvc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(178)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z9fy9BaK7qOa" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4422">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDBuK4NQdZOi" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4424">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlpPpDHzaYIa" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4426">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdNuslvF9Pah" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(14,676)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0Nv6OXjGDRk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(14,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDVYZ77MCIil" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">1,020,838</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjLhoSCCaz2c" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">182,800</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zfJivtbMqmgb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">56,160</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIijA8eQcZMe" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">1,259,798</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z54wHZSeyVk1" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(43,753)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZZZI7ij1dA3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,486)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuEUr9tORnhh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,437)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zoTtw5t7C8Ll" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(53,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLG8vLzKKkb9" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>1,129,522</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpaWb9sykbEf" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>200,040</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z990koXqeaS5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>62,788</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zblKRbrm2kD7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>1,392,350</b></span></td></tr> </table> <p id="xdx_8AC_zTQTQc5VtIk7" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2023 | nu |
Lending To Individuals
LendingToIndividuals
|
3713770000 | usd |
| CY2022 | nu |
Lending To Individuals
LendingToIndividuals
|
1976499000 | usd |
| CY2023 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-512134000 | usd |
| CY2022 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-300223000 | usd |
| CY2023 | nu |
Total Receivables
TotalReceivables
|
3201636000 | usd |
| CY2022 | nu |
Total Receivables
TotalReceivables
|
1676276000 | usd |
| CY2023 | nu |
Fair Value Adjustment Portfolio Hedges
FairValueAdjustmentPortfolioHedges
|
698000 | usd |
| CY2022 | nu |
Fair Value Adjustment Portfolio Hedges
FairValueAdjustmentPortfolioHedges
|
-2836000 | usd |
| CY2023 | nu |
Current Loans And Receivables1
CurrentLoansAndReceivables1
|
3202334000 | usd |
| CY2022 | nu |
Current Loans And Receivables1
CurrentLoansAndReceivables1
|
1673440000 | usd |
| CY2023 | nu |
Breakdown By Maturity1
BreakdownByMaturity1
|
3713770000 | usd |
| CY2023Q4 | nu |
Breakdown By Maturity Ratio1
BreakdownByMaturityRatio1
|
1.000 | pure |
| CY2022 | nu |
Breakdown By Maturity1
BreakdownByMaturity1
|
1976499000 | usd |
| CY2022Q4 | nu |
Breakdown By Maturity Ratio1
BreakdownByMaturityRatio1
|
1.000 | pure |
| CY2023 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-512134000 | usd |
| CY2022 | nu |
Loan Ecl Allowance
LoanEclAllowance
|
-300223000 | usd |
| CY2023 | nu |
Disclosure Of Credit Loss Allowance By Stages Explanatory
DisclosureOfCreditLossAllowanceByStagesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--DisclosureOfCreditLossAllowanceByStagesExplanatory_zgFniF6o3qwl" 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_8BE_zgoNkgFs5809" 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: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 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%"> </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>2023</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: 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: 12%; 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: 12%; 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_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z34YExBsflrg" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>2,831,131</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z5iPN0JoO7R8" title="Percentage of gross exposure">76.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7t9k2aqiVn1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>145,341</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCPsC7nPAS3g" title="Percentage of credit loss allowance">28.4</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_900_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3V2ibtKX527" title="Coverage Ratio">5.1</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_988_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBmf7HP8Eu8f" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%"><b>648,296</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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqvcM3SYj7N5" title="Percentage of gross exposure">17.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdoTaoiMhtef" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>223,982</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0mAAGbw5MN2" title="Percentage of credit loss allowance">43.7</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_906_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZigst9dH4Ml" title="Coverage Ratio">34.5</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_980_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zsgGKMyUKOf1" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">138,919</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zlmFGrSwZa5b" title="Percentage of gross exposure">21.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zbKOS7E8QL88" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">113,649</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zLj424Ypjib9" title="Percentage of credit loss allowance">50.7</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_901_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zRVQBuKAnXy9" title="Coverage Ratio">81.8</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%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--CreditExposure_iI_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zVDycBbLMwk6" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposures"><span style="font-size: 8pt; line-height: 115%">509,377</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zLEPxkLfNkr1" title="Percentage of gross exposure">78.6</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zd25U02s8Qa6" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">110,333</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zRYT9TvTln6c" title="Percentage of credit loss allowance">49.3</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_901_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zDMQBsHSeBs1" title="Coverage Ratio">21.7</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_98D_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcwqUSBooydb" 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>234,343</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7cU3Gz0haod" title="Percentage of gross exposure">6.3</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztcfY3Vwr4Cc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>142,811</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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--CreditLossRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zoUGcoTb8vYh" title="Percentage of credit loss allowance">27.9</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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zwX3ERAPtr5a" title="Coverage Ratio">60.9</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0xzQbFLetCb" 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>3,713,770</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMSMDgRNNFdb" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zh6MLeE0CsEl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>512,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z520ORsyTYL9" title="Percentage of credit 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_908_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zLNlQKvbeBpd" title="Coverage Ratio">13.8</span>%</b></span></td></tr> </table> <p style="font: bold 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>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 35%; 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>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: 12%; 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: 12%; 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: 12%; 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: 12%; 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_983_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziHTQOKZOMzk" 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_90C_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCeeepIlXzs6" title="Percentage of gross exposure">77.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zb4nBrtzlLGg" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKbKFC39SBCd" title="Percentage of credit 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_90A_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbT379zAF1Mi" 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_987_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zEUVwcmU9Om6" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zyl4tyR4kYMj" title="Percentage of gross exposure">17.8</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z5VQpDmuGPQc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zy7EQaxdIos" title="Percentage of credit 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_90D_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKduxqEea3u2" 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_985_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zsRMPiMNM7jd" 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_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zxoRUfz8EWLf" title="Percentage of gross exposure">25.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zZ64O2AMPjo5" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_907_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zxRaUaCNOk55" title="Percentage of credit 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_905_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AbsoluteTriggerDaysLateMember_zjT3sFeAMMS1" title="Coverage Ratio">86.1</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 35%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Relative Trigger (PD deterioration)</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zMC0QZO41FRd" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_904_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zrqKeK7CMP24" title="Percentage of gross exposure">75.0</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--RelativeTriggerPDDeteriorationMember_zgJHAWhPMoff" style="padding: 2pt; width: 12%; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,621</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--RelativeTriggerPDDeteriorationMember_zEBeEwjxR5Z8" title="Percentage of credit loss allowance">49.0</span>%</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--RelativeTriggerPDDeteriorationMember_zIM5oKCzHzAa" 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_982_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXhotImAEklj" 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_90D_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztWBcpQXh3x" title="Percentage of gross exposure">5.2</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__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zYJhfEd9Ihk9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_902_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z2gk3zkvjtfc" title="Percentage of credit 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_901_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8bAH4tjT8T3" 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_98E_eifrs-full--CreditExposure_iI_pn3n3_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zj9jzht2WlI5" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2P1gyx2gPyb" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--UtilisationAllowanceAccountForCreditLossesOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEiIvdbtxRq3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit 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_905_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjE9poHbZdhc" title="Percentage of credit 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_900_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zgJP4oVAAb52" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Credit Loss Allowance Quality By Stages Explanatory
DisclosureOfCreditLossAllowanceQualityByStagesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--DisclosureOfCreditLossAllowanceQualityByStagesExplanatory_zShLkWuFZfE1" 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_8BD_zYjc5vBcVS34" style="display: none">Schedule of 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 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>2023</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: 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: 12%; 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: 12%; 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_983_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zJeaxrJTumP5" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,437,136</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zLHQKtZ77htf" title="Percentage of gross exposure">38.7</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_z0RRfIucao7l" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>14,129</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zv5avvyG59Ol" title="Percentage of credit loss allowance">2.8</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_90D_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zWUSiNKbGhj7" 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_98D_eifrs-full--CreditExposure_iI_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zBLJDlQ5vhXh" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">1,396,591</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNOSbpYdm497" title="Percentage of gross exposure">97.2</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv0Dar5k7gg4" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">13,441</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zQIliqo8Db2i" title="Percentage of credit loss allowance">95.1</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_902_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWy5SmkFlAN5" 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_iI_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6LMiT4VtaUf" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">40,545</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zogndbue0e52" title="Percentage of gross exposure">2.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLai2gZVKqp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">688</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfJUot6z6ZEf" title="Percentage of credit loss allowance">4.9</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--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zFMVWJvWYsh3" title="Coverage Ratio">1.7</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>Satisfactory (5% <= PD <= 20%)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zCwR7eHb1l92" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,228,949</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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zUP305JNnLn8" title="Percentage of gross exposure">33.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zPUHUZyngo73" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>69,361</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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zycFMeZGqZN8" title="Percentage of credit loss allowance">13.5</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_90E_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zPT4KKRBVTue" title="Coverage Ratio">5.6</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_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zV3IHG7pEUK4" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">1,081,293</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFzYbPox1Gsj" title="Percentage of gross exposure">88.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqo7DbwEzyN" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">59,291</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_90F_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zxZNbmeuyGv9" title="Percentage of credit loss allowance">85.5</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--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zv7gZGvxAmLd" title="Coverage Ratio">5.5</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_984_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zurYC6B5zWWi" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">147,656</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zB0OVWKcSyy5" title="Percentage of gross exposure">12.0</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSwGQU55Sqrl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">10,070</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zSak76KcJAek" title="Percentage of credit loss allowance">14.5</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIjLNbUjNuK2" title="Coverage Ratio">6.8</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_989_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zsaatKSHkD5k" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%"><b>1,047,685</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zh5FGCQ9JdSe" title="Percentage of gross exposure">28.2</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zELxx2yenNUc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>428,644</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><span id="xdx_907_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_znzG7Yojm72c" title="Percentage of credit loss allowance">83.7</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_904_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zFxbiBKuCJKg" title="Coverage Ratio">40.9</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_98E_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zoXZNmKnx6Pa" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">353,247</span></td> <td style="padding: 2pt; text-align: 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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zrRcpeYV0VQe" title="Percentage of gross exposure">33.7</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znvsbyHN5mnc" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">72,609</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%"><span id="xdx_90D_ecustom--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0lLJHJKY2z1" title="Percentage of credit loss allowance">17.0</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_905_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zwtGU73Fdby8" title="Coverage Ratio">20.6</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%">Stage 2</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvQczC6Ck67a" style="padding: 2pt; text-align: right; line-height: 115%" title="Gross Exposure"><span style="font-size: 8pt; line-height: 115%">460,095</span></td> <td style="padding: 2pt; text-align: 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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjYJb5Z7sG05" title="Percentage of gross exposure">43.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zf37WbqsaoCl" style="padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">213,224</span></td> <td style="padding: 2pt; text-align: 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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbA79m7uzc4l" title="Percentage of credit loss allowance">49.7</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_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU4mt8YPEUSk" title="Coverage Ratio">46.3</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_pn3n3_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zUzcYFoYxMe5" 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%">234,343</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditExposureRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zGEsC5TZAbXh" title="Percentage of gross exposure">22.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znYHFnRlLXdk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%">142,811</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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--CreditLossRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjDeZvKtCunj" title="Percentage of credit loss allowance">33.3</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_90B_ecustom--CoverageRatio_iI_dp_c20231231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcVrkYRB2Gri" title="Coverage Ratio">60.9</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CreditExposure_iI_pn3n3_c20231231_zDbhb0wti6a" 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>3,713,770</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231_z8XNqtHH8ZY8" title="Percentage of gross exposure">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20230101__20231231_znPmxiFaeY3d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Credit Loss Allowance"><span style="font-size: 8pt; line-height: 115%"><b>512,134</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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_c20231231_zOljGmm84Wk6" title="Percentage of credit 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_90C_ecustom--CoverageRatio_iI_dp_c20231231_zrmbYemg1dQ" title="Coverage Ratio">13.8</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>2022</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 35%; 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>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: 12%; 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: 12%; 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: 12%; 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: 12%; 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_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zjNa5As3kCEl" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zmP6FTOzC528" title="Credit exposure ratio">42.1</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zOOXYhbG74Yi" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_zNxrVP5mPkOc" 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_90A_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember_z5X3plzaf6A9" 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_980_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zyMjkvTow0tc" 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_909_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLcGsheO4KRg" title="Credit exposure ratio">98.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zG3A7uuft78f" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKGh9Suh9Fsl" 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_90B_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zL9sh8xCVDfa" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziEuFIf3a5gk" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z6kManbbNvdc" title="Credit exposure ratio">1.5</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zKx9rAwlKsTa" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zqZna9Cpa2ee" 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_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--StrongCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1cmSCOrNmDd" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zVbJxGkCN2vd" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zdhqaWlA10N7" title="Credit exposure ratio">32.5</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zW6bV3wLvXec" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zwuibrtZOEO8" 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_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember_zG5q2bSjgYy1" 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_986_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z6yIQ3jv4bL" 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_902_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zR2eMySSrKv9" title="Credit exposure ratio">90.9</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zBlScznDi5Xe" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zAMfG5EB1mw6" 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_90F_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_za7CMfA8xkV6" 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_981_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zznoPWVLJG11" 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_90A_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkP3APSKUQy7" title="Credit exposure ratio">9.1</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zikdA1iCHUW3" 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_90C_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zLiMb87r1cv3" 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_906_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--SatisfactoryCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBxNkY0cY6x" 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; width: 35%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zIHudhehhXs1" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zagYIQDj0yv4" title="Credit exposure ratio">25.4</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_ztUVU38kDaj" style="padding: 2pt; width: 12%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span id="xdx_902_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zzW6Btem9vJj" title="Credit loss ratio">83.3</span>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 12%; 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--ExternalCreditGradesAxis__custom--HigherRiskCreditMember_zG1CmV2riIJ" 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_98D_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zfeOeLB7dq3j" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zcAqgs8OYlp" title="Credit exposure ratio">23.4</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpWSkkyFxMT5" 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_90E_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z736V2uX0pP2" 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_90C_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zKIuIxG57D9f" 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_98C_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z1Swbm2OFtMb" 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_906_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkvD4j2nRo02" title="Credit exposure ratio">55.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvSzDy6kepC4" 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_904_ecustom--CreditLossRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zkwhhBoC4nze" 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_901_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNdaMLQ7pS05" 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_98C_eifrs-full--CreditExposure_pn3n3_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsIo1qT291qf" 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_901_ecustom--CreditExposureRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z17mmViWbto6" title="Credit exposure ratio">20.8</span>%</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsRh2pfso2g3" 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_z4xpb1WrJbp" 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_903_ecustom--CoverageRatio_iI_dp_c20221231__ifrs-full--ExternalCreditGradesAxis__custom--HigherRiskCreditMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zS2Gc8FuyADe" 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_989_eifrs-full--CreditExposure_pn3n3_c20221231_zPfeQhOVIuGd" 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_90C_ecustom--CreditExposureRatio_iI_dp_c20221231_zvqUKSySBFb9" title="Credit exposure ratio">100.0</span>%</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--UtilisationAllowanceAccountForCreditLossOfFinancialAssets_pn3n3_c20220101__20221231_zbIWPtL4pct3" 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_906_ecustom--CreditLossRatio_iI_dp_c20221231_zGx8BYxE78tk" 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--CoverageRatio_iI_dp_c20221231_zMJCuAYj2V2l" title="Coverage Ratio">15.2</span>%</b></span></td></tr> </table> | |
| CY2023Q4 | ifrs-full |
Credit Exposure
CreditExposure
|
3713770000 | usd |
| CY2023Q4 | nu |
Credit Exposure Ratio
CreditExposureRatio
|
1.000 | pure |
| CY2023 | nu |
Utilisation Allowance Account For Credit Loss Of Financial Assets
UtilisationAllowanceAccountForCreditLossOfFinancialAssets
|
512134000 | usd |
| CY2023Q4 | nu |
Credit Loss Ratio
CreditLossRatio
|
1.000 | pure |
| CY2023Q4 | nu |
Coverage Ratio
CoverageRatio
|
0.138 | pure |
| CY2022Q4 | ifrs-full |
Credit Exposure
CreditExposure
|
1976499000 | usd |
| CY2022Q4 | nu |
Credit Exposure Ratio
CreditExposureRatio
|
1.000 | pure |
| CY2022 | nu |
Utilisation Allowance Account For Credit Loss Of Financial Assets
UtilisationAllowanceAccountForCreditLossOfFinancialAssets
|
300223000 | usd |
| CY2022Q4 | nu |
Credit Loss Ratio
CreditLossRatio
|
1.000 | pure |
| CY2022Q4 | nu |
Coverage Ratio
CoverageRatio
|
0.152 | pure |
| CY2023Q4 | nu |
Gross Carrying Amount Of Portfolio
GrossCarryingAmountOfPortfolio
|
1737271000 | usd |
| CY2023 | nu |
Disclosure Schedule Quality Classification Explanatory
DisclosureScheduleQualityClassificationExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--DisclosureScheduleQualityClassificationExplanatory_zt2KCrFg1ABc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 4)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B2_zDfcVKwJFW74" 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 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="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: 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>Stage3</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <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="vertical-align: bottom; 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_902_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade1Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z9OGKnyzgJ53" 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_90A_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1e3eS9bggBa" title="Credit quality description"><span id="xdx_907_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeOneMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUymEYjjG7ui" 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="vertical-align: bottom; 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_90E_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade2Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zMiFPA0HPb8i" 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_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zk0gZyuf20d9" title="Credit quality description"><span id="xdx_902_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeTwoMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zBDmRoJtofg6" 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="vertical-align: bottom; 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_90F_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade3Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zqby8fuCB6p3" 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_908_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zMhhGh95VLI9" title="Credit quality description"><span id="xdx_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeThreeMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zniU8sxStZec" 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="vertical-align: bottom; 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_90F_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade4Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_zIlDAZO8DdJh" 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_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zIjZfCbXCCZc" title="Credit quality description"><span id="xdx_90A_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFourMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zXSBbXZsrkgc" 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="vertical-align: bottom; 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_904_ecustom--DescriptionOfProbabilityOfDefault1_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--Grade5Member__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1and2Member_z4SntdSfCGn9" 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_901_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFjKnIaeWGz5" title="Credit quality description"><span id="xdx_908_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zP5lOFIlnk67" 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_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_znJYYSFmQmTe" 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_907_ecustom--DescriptionOfCreditQuality_c20230101__20231231__ifrs-full--InternalCreditGradesAxis__custom--GradeFiveMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zp39HzbVBByl" title="Credit quality description">Higher Risk</span></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Credit Allownace Changes Transfer Stage Explanatory
DisclosureCreditAllownaceChangesTransferStageExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--DisclosureCreditAllownaceChangesTransferStageExplanatory_zi1Lqm7qIwM" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Loans to customers (Details 5)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BB_zbn0O6p73r01" style="display: none">Schedule of credit allowance</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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zFd7za1Ix8y1" 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>76,454</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zguKHatv8vBj" 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>148,233</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zqIPdvQ0tbVd" 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>75,536</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zkI86KnGCeRk" 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>300,223</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_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z4dCRHWDaAGk" 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%">(7,551)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHTEfWfltXe1" 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%">7,551</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zigaskQ8bJji" 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: xdx2ixbrl3962">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyNw9vBWhghg" 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: xdx2ixbrl3964">-</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_987_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_znBv5wqZJyPj" 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%">16,983</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdxGcAOI8U3c" 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%">(16,983)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7lqNiEf0jD5" 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: xdx2ixbrl3970">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zoGPf3XWw1Se" 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: xdx2ixbrl3972">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE1hm0XNyQSd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(20,574)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zQYhNznmCrx8" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(111,067)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zQ7BzT1CTft6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">131,641</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2RmBxKdN4He" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3980">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3byKS3lJwY4" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,117</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zakvAnmIYYf3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,943</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z8B7nFzp9sB3" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(9,060)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--TransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpyA57naPHx9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl3988">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z0xDHsQzVmo6" 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: xdx2ixbrl3990">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlso8oDIusFb" 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: xdx2ixbrl3992">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zIMZmVKVbyVb" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zJniczFIhD" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 44%; 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; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHO4g4SkkaXe" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">68,198</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z06yv0TAChol" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">177,680</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zOhMt3bYWYd7" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">388,478</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z35EcyLQYbGc" style="border-bottom: black 1pt solid; padding: 2pt; width: 13%; text-align: right; line-height: 115%" title="Net increase of loss allowance"><span style="font-size: 8pt; line-height: 115%">634,356</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_988_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zL4PfE0nnX6f" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>385,391</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zwABHxZ8hYg2" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>82,037</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zSDzVUrFlT4l" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>18,674</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zvTwQBOfSC27" style="padding: 2pt; text-align: right; line-height: 115%" title="New originations (a)"><span style="font-size: 8pt; line-height: 115%"><i>486,102</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_987_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqmaBLYQLyaf" 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>(314,926)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zcCFYgiiVLE1" 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>100,038</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zDZiaJ1x9i6h" 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>371,982</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zNcA5x8i1EXk" 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>157,094</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_98E_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zITFtxMsP155" 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>(2,267)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zmzIWSEO84D2" 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>(4,395)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zyI75H4ROUp7" 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>(2,178)</i></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zCbdtnlwmxlb" 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>(8,840)</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_981_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z1unzSb36V3d" 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%">7,714</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zljL8eafCJ19" 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%">13,625</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjY3bMVrmDGb" 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%">7,603</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znQVVfsqvQC" 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%">28,942</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_98A_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zzRGyHvKEAZe" 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>145,341</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zIVcdlT6KTvd" 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>223,982</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpVXOIDsSS99" 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>142,811</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyGHaw5ubFM8" 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>512,134</b></span></td></tr> </table> <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>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 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></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 the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zVAFSpZFVASc" 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_982_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zWAThDoLFBki" 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_987_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXluaSukMuPh" 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_98B_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zmvHADk3vaa1" 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_989_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zXgZ6z24Cb6" 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_98E_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zUbyTjYB42Y6" 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_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zEagAv7peXX3" 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: xdx2ixbrl4058">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z1UHAPJYmmHi" 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: xdx2ixbrl4060">-</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_98A_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zOwHCZYOZxh9" 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_98B_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ztvVJUn0TAfl" 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_98C_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zsuCFCxoIjp7" 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: xdx2ixbrl4066">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcHcZlCM1Zz8" 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: xdx2ixbrl4068">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgthpY6EfCT8" 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_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zTQkyBftLiu2" 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_98E_ecustom--TransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7pDq8sBluf7" 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_984_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zY4DQ5hcWFz6" 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: xdx2ixbrl4076">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCdpmF6lMN22" 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_986_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHp8cdAdH4lf" 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_98A_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFArnKN2DG58" 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_988_ecustom--TransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zF1FoQpAU2kg" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4084">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zqF1zkASD1Xk" 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: xdx2ixbrl4086">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVrjTfLFALE5" 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: xdx2ixbrl4088">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zZEElct1GdY8" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpXT7myTT5We" 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_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_ziEFfANCN9fj" 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_984_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z3ECmNMhrSng" 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_989_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zY1TJIeswM7e" 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_981_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zn9Y7WunJtD4" 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; 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_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zIliRCEt8WGf" 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_98E_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zSdI1ypJbesf" 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_983_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zmjmJQiIKQE" 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_98B_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zGiRrreQGuCd" 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%; text-indent: 2.25pt"><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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSkAyarlguOg" 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_980_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zS2kTpXco3ab" 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_980_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zmetCPAftqOi" 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_983_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4sUYvyFCykj" 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; 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_987_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zMLZho5HZqCg" 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_983_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zJWeJtGgykz1" 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_98F_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zD1JRvuBGO56" 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_98D_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_z610EKBhFbGg" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEXss7dEV0si" 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_986_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0ZDvr3uwyQg" 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_981_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjZzq5NXtcQg" 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_980_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zlV7DUBn3jc2" 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_989_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zpZOx57bHH2i" 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_981_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0RzAodbVoSe" 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_98D_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zXtRgxYElGD6" 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_98B_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpCOh7X2SHL4" 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"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <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 style="vertical-align: bottom"> <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: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgQ7Mrf6HKRk" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>10,532</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlgBYjUEBU6h" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>7,136</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_ztsBtJd9PeWj" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>8,542</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--LossAllowanceChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zeFilZqV3AHc" style="padding: 2pt; text-align: right" title="Loss allowance at beginning of year"><span style="font-size: 8pt"><b>26,210</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHvgFge7dbF5" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(780)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zasqubgMnus8" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">780</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zlPrcKvvafef" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4154">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--TransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zD0ikeSJhUCc" style="padding: 2pt; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4156">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98F_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zn1EAfez7G93" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">685</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z0NpKu0YPrY4" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(685)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFZJi8DwhpU2" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4162">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zvuj6oKcAxXf" style="padding: 2pt; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4164">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zmqu8lhEjgde" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(1,212)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpHqHIY17m72" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(904)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zcjAchOPmDFi" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">2,116</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--TransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zjvzWN9819Xb" style="padding: 2pt; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4172">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zg1mZCCdDpa4" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">16</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zVrKizO3hIhf" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">142</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z89AGSwi8963" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(158)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--TransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIkClDiR8n7f" style="padding: 2pt; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4180">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zlJpaaW8WVt1" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4182">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfIAEjQpP9ga" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4184">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zAvM002lU8j7" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(13,223)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--WriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEFoJHX0Ibq4" style="padding: 2pt; text-align: right" title="Write-offs"><span style="font-size: 8pt">(13,223)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net increase of loss allowance (note 7)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zgQFrPDBgfmg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">62,363</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zyCtWct2ULqc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">69,152</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zW0hdQohrGF6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">60,563</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--NetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTOUFjvUBAPl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Net increase of loss allowance"><span style="font-size: 8pt">192,078</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; width: 40%; text-align: left"><span style="font-size: 8pt"><i>New originations (a)</i></span></td> <td style="padding: 2pt; vertical-align: top; width: 1%; text-align: left"> </td> <td id="xdx_985_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGEp_zjJ2vY7yAe8l" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>159,299</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98F_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGEp_zEqBvMCevA8b" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>28,281</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_989_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGEp_zQvaRrLXcMxa" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>6,237</i></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_981_ecustom--NewOriginationsChangesLossAllowance_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGEp_zUublZZ8zAL8" style="padding: 2pt; width: 14%; text-align: right" title="New originations (a)"><span style="font-size: 8pt"><i>193,817</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; text-align: left"><span style="font-size: 8pt"><i>Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_989_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z79AT62dix0f" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(93,269)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zw4N0zcx20Y4" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>35,759</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zSjKoyJ1H0Bl" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>54,297</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DueToExposureChangesAndRiskChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z6T4f5nGvyf5" style="padding: 2pt; text-align: right" title="Net drawdowns, repayments, net remeasurement and movements due to exposure and risk changes"><span style="font-size: 8pt"><i>(3,213)</i></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; vertical-align: top; text-align: left"><span style="font-size: 8pt"><i>Changes to models used in calculation (b)</i></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_986_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_fKGIp_zYPLnP9bJ3S1" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>(3,667)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_fKGIp_zGSemRW2RUhg" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>5,112</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_fKGIp_zXpwhq9sjaZe" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>29</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--ChangesToModelsUsedInChangesCalculationB_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_fKGIp_zvb7pPuT5pgc" style="padding: 2pt; text-align: right" title="Changes to models used in calculation (b)"><span style="font-size: 8pt"><i>1,474</i></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zP3dZQDqBKkf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,678)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z55ofktuIiXf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,686)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zy1OnBO1aOF7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,165)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--EffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zTxOzKI8T036" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,529)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Credit loss allowance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNGyQicPfF08" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>68,926</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlvUyrQ8HKad" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>72,935</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z0NpJSHLY6w6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>55,675</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--LossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zCl7aIofj5Ie" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Loss allowance at end of the year"><span style="font-size: 8pt"><b>197,536</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 style="text-align: justify; width: 3%">(a)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(b)</td> <td style="text-align: justify; width: 97%">Changes to models occurred during the period include calibration of ECL parameters reflecting changes in the Company’s underwriting and collections strategies and inclusion of more recent risk and recoveries data.</td></tr> </table> | |
| CY2023 | 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_zm9mQoF8i2Bg" 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_8B7_zn50Xk1niYah" 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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_989_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zE7CAjW8sfij" 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>1,521,040</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zsEUcwPNoaz" 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>351,166</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBjeWR4dFEVd" 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>104,293</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z78YxL7iUWl3" 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>1,976,499</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_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zWL1boRWtae7" 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%">(81,641)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZpwBJLTADc2" 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%">81,641</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zP8T0CyVnlT4" 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: xdx2ixbrl4252">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGvS7S3l4Mwd" 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: xdx2ixbrl4254">-</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_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zbAt0uLIeaoj" 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%">70,293</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zV0K19fdsvo1" 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%">(70,293)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zMnwB2g6Lme3" 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: xdx2ixbrl4260">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwZKhES3nzpa" 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: xdx2ixbrl4262">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zSHdjEhoGIDf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(159,879)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zdQIn3yQeVNd" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">(186,661)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z95jkke5WlM2" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%">346,540</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_znw344GLLKwh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4270">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zZCaTFaTuRUf" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">4,548</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNsEuxpvOYya" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">5,676</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zpnj86eV6wv6" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%">(10,224)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zMqiLm7YJDhh" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4278">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zJCygTANScl" 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: xdx2ixbrl4280">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zDshTSHLQKFa" 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: xdx2ixbrl4282">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBEpFZrcZXU3" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zEyjDvLPEWxk" style="padding: 2pt; text-align: right; line-height: 115%" title="Write-offs"><span style="font-size: 8pt; line-height: 115%">(451,387)</span></td></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_987_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zf8fKboppwT5" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,311,806</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlJzFRefSjN6" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">428,807</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z957hlnQ5VO2" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">232,682</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zmTw9jAt25Tg" style="padding: 2pt; text-align: right; line-height: 115%" title="Net increase of gross carrying amount"><span style="font-size: 8pt; line-height: 115%">1,973,295</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_98B_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zC1MdRLk24Wc" 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%">164,964</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zNt8VusY0Js5" 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%">37,960</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zX5Pd6QhLaof" 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%">12,439</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIgsF56eWfN8" 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%">215,363</span></td></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_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLsspVMBznh6" 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>2,831,131</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zHFpFiAxqio6" 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>648,296</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zBfKjFppSQMl" 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>234,343</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20230101__20231231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwQ4WJ76lY8j" 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>3,713,770</b></span></td></tr> </table> <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>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>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zc2YBR7phGzf" 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_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zfRxbV49yqSd" 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_98E_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zF4yQybyNSV3" 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_989_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zcS2Z8KTxjU1" 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_98D_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zEELtQJHeDQi" 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_981_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_ziPQK0XmYNpk" 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_989_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z4mOB2lkMOOc" 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: xdx2ixbrl4324">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zDB1xrnVy20e" 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: xdx2ixbrl4326">-</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_981_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zk5bGYDHT6wf" 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_98D_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zv0d0qbhKV0c" 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_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zPg1HD02yB7c" 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: xdx2ixbrl4332">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zAlcy0koZaZe" 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: xdx2ixbrl4334">-</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%">Transfers to Stage 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM5IUTX7T8n5" 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_98B_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbHov6wSv3X5" 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_981_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zbgFae5GYSId" 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_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zRx8kILQdXM9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers to Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4342">-</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 3</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z9dHcS68kimc" 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_982_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zU66FPyoM2a4" 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_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zkPJuhYrDuqc" 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_981_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z2lNrckwfjc9" style="padding: 2pt; text-align: right; line-height: 115%" title="Transfers from Stage 3"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl4350">-</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%">Write-offs</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zNegzGzoUjmh" 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: xdx2ixbrl4352">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zozhq2zKlS3d" 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: xdx2ixbrl4354">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zHSGEXlsdEec" 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_98C_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zYtdvOSXWgv6" 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_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zCkeMlnqALU" 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_986_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zRV2su8f9SBd" 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_98C_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zykQ9jZgR197" 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_984_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zyEuU4NaMI52" 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_988_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zwbZgK60zxU2" 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_986_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zbpdqee6brpi" 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_98F_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdMexHDC3l6d" 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_985_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z92pTTy5QJSc" 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_982_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z7wmAPyGj8Tf" 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_988_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zvLzQuo8XVOa" 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_985_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zFPPbFW2Rkn7" 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_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20220101__20221231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z4MEWZThslQc" 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> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <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 style="vertical-align: bottom"> <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: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 1</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 2</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Stage 3</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at beginning of year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z3hxdIymUmh1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>168,744</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_z8hvSx8DBLVl" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>22,634</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z3IcuOkn1bF3" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>9,526</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeChangesYear_iS_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zGpZjojoZnJd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at beginning of year"><span style="font-size: 8pt"><b>200,904</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 1 to Stage 2</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zuCJg3foGTri" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">(8,535)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zuSAKxYWk4Ej" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt">8,535</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z7sXRUwuKQT7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4396">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--GrossCarryingeTransfersChangesFromStage1ToStage2_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zpJ3nHIAk5j" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 1 to Stage 2"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4398">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 2 to Stage 1</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zw7hl6OQDILc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">3,279</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zwMftkPIV0O1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt">(3,279)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zjqpy9ZOxaQ1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4404">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeTransfersChangesFromStage2ToStage1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zUDgNn5aF2cg" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 2 to Stage 1"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4406">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers to Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zM2JKHZ4ftb8" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(11,069)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zq17Lh1NNZwk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">(3,324)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zTvptgjOGtl4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt">14,393</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingeTransfersChangesToStage3Value_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zwkk2ekcz4Hd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers to Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4414">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Transfers from Stage 3</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zHOAdfEjrkMk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">18</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zksaTmxSFW1g" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">160</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zx4hZWrORjvc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt">(178)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeTransfersChangesFromStage3_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z9fy9BaK7qOa" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Transfers from Stage 3"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4422">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Write-offs</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDBuK4NQdZOi" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4424">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zlpPpDHzaYIa" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4426">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zdNuslvF9Pah" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(14,676)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeWriteoffsLossAllowanceChanges_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_z0Nv6OXjGDRk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Write-offs"><span style="font-size: 8pt">(14,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Net increase of gross carrying amount</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zDVYZ77MCIil" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">1,020,838</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zjLhoSCCaz2c" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">182,800</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zfJivtbMqmgb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">56,160</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--GrossCarryingeNetIncreaseChangesOfLossAllowanceValue_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zIijA8eQcZMe" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Net increase of gross carrying amount"><span style="font-size: 8pt">1,259,798</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_z54wHZSeyVk1" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(43,753)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zZZZI7ij1dA3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(7,486)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_zuEUr9tORnhh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(2,437)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--GrossCarryingeEffectOfChangesInExchangeRatesLoss1_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zoTtw5t7C8Ll" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Effect of changes in exchange rates (OCI)"><span style="font-size: 8pt">(53,676)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Gross carrying amount at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_987_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage1Member_zLG8vLzKKkb9" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>1,129,522</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage2Member_zpaWb9sykbEf" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>200,040</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--Stage3Member_z990koXqeaS5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>62,788</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--GrossCarryingeLossAllowanceChangesYear_iE_pn3n3_c20210101__20211231__custom--CreditAllowanceAxis__custom--CreditAllowanceChangesMember__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TotalMember_zblKRbrm2kD7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Gross carrying amount at end of the year"><span style="font-size: 8pt"><b>1,392,350</b></span></td></tr> </table> | |
| CY2023 | nu |
Disclosure Of Compulsory And Other Deposits At Central Banks Explanatory
DisclosureOfCompulsoryAndOtherDepositsAtCentralBanksExplanatory
|
<p id="xdx_802_ecustom--DisclosureOfCompulsoryAndOtherDepositsAtCentralBanksExplanatory_ztBO0lAN1VI1" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">15. <span id="xdx_82B_zKgIjxim9iuh">Compulsory and other deposits at central banks</span></p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--CompulsoryAndOtherDepositsAtCentralBanksTableTextBlock_zKwnWKC6hWq3" 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-bottom: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B8_zVf5YaVqbtYb" style="display: none">Schedule of compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20230101__20231231_zUJNLv0OFxX5" 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_20220101__20221231_z53BmVvfO523" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 67%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 4%; 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>2023</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%; background-color: white; 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 style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_404_ecustom--CompulsoryDeposits_pn3n3_zRufwcsNMdr9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Compulsory deposits (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%">3,342,894</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_401_ecustom--ReserveAtCentralBankInstantPayments_pn3n3_z5TU7vcW4b02" style="background-color: white"> <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"> Reserve at central bank - Instant payments (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%">2,953,515</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">751,503</span></td></tr> <tr id="xdx_405_ecustom--ReserveAtCentralBankElectronicMoney_pn3n3_zBjWhUB2xuuj" style="background-color: #E8E7FC"> <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"> Reserve at central bank - Electronic money (iii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,151,074</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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: xdx2ixbrl4467">-</span></span></td></tr> <tr id="xdx_402_ecustom--DepositsCentralBanksTotal_pn3n3_z8QlSe2WjdD2" 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>7,447,483</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></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%"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Compulsory deposits are required by BACEN based on the amount of RDB held by Nu Financeira. These resources are remunerated at Brazilian SELIC rate (special settlement and custody system of the BACEN).</td></tr> </table> <p style="font: 11pt/115% 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%"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(ii)</td> <td style="text-align: justify; width: 97%">Reserve at central bank - Instant payments relates to cash maintained in the Instant Payments Account, which is required by BACEN to support instant payment operations (PIX), and it is based on the average of PIX transactions per day based on the last month along with including additional funds as a safety margin. These resources are remunerated at Brazilian SELIC rate (special settlement and custody system of the BACEN).<br/> <br/></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(iii)</td> <td style="text-align: justify; width: 97%">Reserve at central bank - Electronic money refers to funds kept in a BACEN reserve, which serves as a safeguard to protect customer deposits invested in Nu Pagamentos. These resources are remunerated at Brazilian SELIC rate (special settlement and custody system of the BACEN).</td></tr> </table> <p id="xdx_8A2_zYugqxxup0O2" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2023 | nu |
Compulsory Deposits
CompulsoryDeposits
|
3342894000 | usd |
| CY2022 | nu |
Compulsory Deposits
CompulsoryDeposits
|
2026516000 | usd |
| CY2023 | nu |
Reserve At Central Bank Instant Payments
ReserveAtCentralBankInstantPayments
|
2953515000 | usd |
| CY2022 | nu |
Reserve At Central Bank Instant Payments
ReserveAtCentralBankInstantPayments
|
751503000 | usd |
| CY2023 | nu |
Reserve At Central Bank Electronic Money
ReserveAtCentralBankElectronicMoney
|
1151074000 | usd |
| CY2023 | nu |
Deposits Central Banks Total
DepositsCentralBanksTotal
|
7447483000 | usd |
| CY2022 | nu |
Deposits Central Banks Total
DepositsCentralBanksTotal
|
2778019000 | usd |
| CY2023 | nu |
Disclosure Of Other Receivables Explanatory
DisclosureOfOtherReceivablesExplanatory
|
<p id="xdx_80B_ecustom--DisclosureOfOtherReceivablesExplanatory_zsN72Oc7A6Tk" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">16. <span id="xdx_82B_zCsk9gsvfyQi">Other receivables</span></p> <table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--OtherReceivablesExplanatory_zGx0mXYca6D4" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other Receivables (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_8B3_z96i5W0Dzo91" style="display: none">Schedule of other receivables</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20230101__20231231_zbP5Tq7CGcIe" 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_20220101__20221231_z95Hd6lwJRRe" 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; 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 style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--OtherReceivable_pn3n3_zGyN6npaW809" 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="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,691,665</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">522,734</span></td></tr> <tr id="xdx_402_ecustom--OtherReceivablesEclAllowance_pn3n3_z8YE7uzTtO5j" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other receivables - 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%">(2,635)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,064)</span></td></tr> <tr id="xdx_40D_ecustom--OtherReceivableTotal_pn3n3_zZM2aCpMIrz3" 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>1,689,030</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify; color: #1D1C1D">Other receivables are related to the acquisition of credit card receivables from acquirers at fair value. The ECL expenses for the year ended December 31, 2023 was US$<span id="xdx_90F_eifrs-full--AllowanceAccountForCreditLossesOfFinancialAssets_iI_pn3n3_c20231231_zDqbHrQxUdld" title="ECL expenses">1,417</span>, as shown in note 7. As of December 31, 2023 and 2022, the total amount of the Group's exposure was classified as Stage 1 Strong (PD<5%) and there was no transfer between stages for the years ended on December 31, 2023 and 2022.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">All receivables are classified through stages. The explanation of each stage is set out in the Company’s accounting policies (see note 4).</p> | |
| CY2023 | nu |
Other Receivables Explanatory
OtherReceivablesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_88F_ecustom--OtherReceivablesExplanatory_zGx0mXYca6D4" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other Receivables (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_8B3_z96i5W0Dzo91" style="display: none">Schedule of other receivables</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_495_20230101__20231231_zbP5Tq7CGcIe" 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_20220101__20221231_z95Hd6lwJRRe" 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; 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 style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_403_ecustom--OtherReceivable_pn3n3_zGyN6npaW809" 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="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,691,665</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">522,734</span></td></tr> <tr id="xdx_402_ecustom--OtherReceivablesEclAllowance_pn3n3_z8YE7uzTtO5j" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Other receivables - 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%">(2,635)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(1,064)</span></td></tr> <tr id="xdx_40D_ecustom--OtherReceivableTotal_pn3n3_zZM2aCpMIrz3" 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>1,689,030</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> </table> | |
| CY2023 | nu |
Other Receivable
OtherReceivable
|
1691665000 | usd |
| CY2022 | nu |
Other Receivable
OtherReceivable
|
522734000 | usd |
| CY2023 | nu |
Other Receivables Ecl Allowance
OtherReceivablesEclAllowance
|
-2635000 | usd |
| CY2022 | nu |
Other Receivables Ecl Allowance
OtherReceivablesEclAllowance
|
-1064000 | usd |
| CY2023 | nu |
Other Receivable Total
OtherReceivableTotal
|
1689030000 | usd |
| CY2022 | nu |
Other Receivable Total
OtherReceivableTotal
|
521670000 | usd |
| CY2023Q4 | ifrs-full |
Allowance Account For Credit Losses Of Financial Assets
AllowanceAccountForCreditLossesOfFinancialAssets
|
1417000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Other Assets Explanatory
DisclosureOfOtherAssetsExplanatory
|
<p id="xdx_803_eifrs-full--DisclosureOfOtherAssetsExplanatory_zaF61GdUJ821" style="font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">17. <span id="xdx_82E_zq3S9J4QbAE6">Other assets</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--DisclosureOfOtherAssetsTableTextBlock_zyipwXxH0sSf" 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_8BA_z4jBzly5Aht4" style="display: none">Schedule of other assets</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20231231_zY48eTffe11h" 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_zHNGAqzbmk1c" style="padding: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 74%; 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 12%; background-color: white; 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 style="padding: 2pt; text-align: left; line-height: 115%"> </td></tr> <tr id="xdx_402_ecustom--DeferredExpenses_iI_pn3n3_maOAzxEZ_zduipBPjLTs7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span 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%">230,676</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_40F_ecustom--TaxesRecoverable_iI_pn3n3_maOAzxEZ_zklZKyrJTzhl" 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%">428,742</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_40A_ecustom--AdvancesToSuppliersAndEmployees_iI_pn3n3_maOAzxEZ_zdq4NFTx3P17" 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 (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%">96,395</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_40B_ecustom--PrepaidExpenses_iI_pn3n3_maOAzxEZ_zbOFuhZ9ePF" 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%">81,687</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_407_ecustom--JudicialDepositsNote21_iI_pn3n3_maOAzxEZ_z8rfgkFulPQb" 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 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%">3,506</span></td> <td style="padding: 2pt; text-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></tr> <tr id="xdx_409_ecustom--OtherAssets1_iI_pn3n3_maOAzxEZ_zXfp7tF8MHtl" 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%">95,203</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%">35,227</span></td></tr> <tr id="xdx_400_ecustom--OtherAsset_iI_pn3n3_mtOAzxEZ_zYO9qU9TKcC3" 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>936,209</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> </table> <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 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; width: 3%">(i)</td> <td style="text-align: justify; 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 estimated useful life, adjusted for any cancellations.</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; width: 3%"><span style="font-weight: normal">(ii)</span></td> <td style="text-align: justify; width: 97%"><span style="font-weight: normal">As of December 31, 2023, it includes cash deposited with new partners that operate automated teller machines (ATMs). There were no transactions with these partners during 2022.</span></td></tr> </table> <p id="xdx_8AC_zEQpvBFuNicf" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2023Q4 | nu |
Deferred Expenses
DeferredExpenses
|
230676000 | usd |
| CY2022Q4 | nu |
Deferred Expenses
DeferredExpenses
|
157439000 | usd |
| CY2023Q4 | nu |
Taxes Recoverable
TaxesRecoverable
|
428742000 | usd |
| CY2022Q4 | nu |
Taxes Recoverable
TaxesRecoverable
|
245967000 | usd |
| CY2023Q4 | nu |
Advances To Suppliers And Employees
AdvancesToSuppliersAndEmployees
|
96395000 | usd |
| CY2022Q4 | nu |
Advances To Suppliers And Employees
AdvancesToSuppliersAndEmployees
|
22662000 | usd |
| CY2023Q4 | nu |
Prepaid Expenses
PrepaidExpenses
|
81687000 | usd |
| CY2022Q4 | nu |
Prepaid Expenses
PrepaidExpenses
|
61744000 | usd |
| CY2023Q4 | nu |
Judicial Deposits Note21
JudicialDepositsNote21
|
3506000 | usd |
| CY2022Q4 | nu |
Judicial Deposits Note21
JudicialDepositsNote21
|
18864000 | usd |
| CY2023Q4 | nu |
Other Assets1
OtherAssets1
|
95203000 | usd |
| CY2022Q4 | nu |
Other Assets1
OtherAssets1
|
35227000 | usd |
| CY2023Q4 | nu |
Other Asset
OtherAsset
|
936209000 | usd |
| CY2022Q4 | nu |
Other Asset
OtherAsset
|
541903000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Intangible Assets And Goodwill Explanatory
DisclosureOfIntangibleAssetsAndGoodwillExplanatory
|
<p id="xdx_800_eifrs-full--DisclosureOfIntangibleAssetsAndGoodwillExplanatory_z13kPfdZIyy3" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0pt 10pt; text-align: justify">18. <span id="xdx_822_zAaYV3fD4Qsk">Intangibles assets and goodwill</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: bold 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">a)</td><td style="text-align: justify">Composition of intangible assets and goodwill</td></tr></table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b>(i) Intangible assets</b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfChangesInIntangibleAssetsExplanatory_zGqLEfTnF44g" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (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_z2ZmKiE1Daqk"><span id="xdx_8B8_z4I2mZ7ZSC9h" style="display: none">Schedule of intangible assets</span></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> <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; 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <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: 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: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Accumulated amortization</b></span></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>Net 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: 13%; 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: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Accumulated amortization</b></span></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>Net 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%">Intangibles related to acquisitions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zDGv90e9CdLh" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">107,181</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zeNRIscTbdS7" style="padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(45,547)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zHQAaf6Eok4e" style="padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">61,634</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zdnuO1KttKWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">107,179</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zx4siZCcZx7c" style="padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(29,132)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zcmeHzszjiEi" style="padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">78,047</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 Intangibles</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znlovI3Y5sM1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">279,051</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zNbQTSyg19Pd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(44,804)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zVW8LqQEp8Bd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">234,247</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znAw1drJCCvk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">123,282</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zVPcujSxtO8h" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(19,165)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zDDkRUClkeKf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">104,117</span></td></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_981_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231_zo0iujilrcg7" 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>386,232</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231_zVigPPKs2BWl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%"><b>(90,351)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231_zioKs1fJ8iR5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%"><b>295,881</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231_zT5f3hnwFRCh" 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>230,461</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231_zfHBlEngdLH5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%"><b>(48,297)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231_zco0Q3pjMcz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%"><b>182,164</b></span></td></tr> </table> <p id="xdx_8AB_zgN2t7hZtlk7" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b>(ii) Goodwill </b></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--DisclosureOfChangesIngoodwillExplanatory_zwb14DHy6HNa" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zQrMKUAzCY92" style="display: none">Schedule of goodwill</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"> </td></tr> <tr style="vertical-align: bottom"> <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: 13%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 15%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</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 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>Goodwill</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></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%">Easynvest's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_z6JWRHEObOm5" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,266</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_z1fKB8ZCXY4i" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,125</span></td></tr> <tr 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%">Cognitect's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_zkGPL5FywhA8" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">831</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_z477eQmWYCA8" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">831</span></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%">Spin Pay's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zWr4Li0dLwFh" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">5,060</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zYIGWndvVm4" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">5,060</span></td></tr> <tr 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%">Olivia's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zHsVnxm1Uc97" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">10,381</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zG6for7nyyjb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">10,381</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Goodwill_iI_pn3n3_c20231231_zBjAsEvbh9Wi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%"><b>397,538</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20221231_z9YvZ1GeG6fj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td></tr> </table> <p id="xdx_8AB_zpsBF3j7YO51" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: bold 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">b)</td><td style="text-align: justify">Changes on intangible assets and goodwill</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eifrs-full--DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory_zURGcGGpmN0a" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (Details 2)"> <tr style="background-color: white"> <td id="xdx_8B0_zKqWCjCsMIle" style="padding: 2pt; display: none; text-align: left; line-height: 115%">Schedule of changes on intangible assets and goodwill</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%" title="Intangible assets, Additions"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"> </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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Goodwill</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: 8pt; line-height: 115%"><b>Intangible assets</b></span></td></tr> <tr> <td style="padding: 2pt; width: 42%; 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: 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>Intangibles related to acquisitions</b></span></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>Other Intangibles</b></span></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>Total Intangibles</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>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--Goodwill_iS_pn3n3_c20230101__20231231_zgdh32u2vHx3" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zSBr0wiDME7g" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>78,047</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zeaShucPa7Bj" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>104,117</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231_zcYk9BUG5L02" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>182,164</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 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--IntangibleAssetsAdditions_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znTLtPBKzIN5" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">165,160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IntangibleAssetsAdditions_pn3n3_c20230101__20231231_zuGysCOicZk1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">165,160</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Disposals</span></td> <td style="padding: 2pt; text-align: 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_98B_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zDfj4ltBk5Q6" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(24,832)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231_z69VIwkBJai1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(24,832)</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%">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%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zdSql5UDicL1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(14,784)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zS4Fd5eXTmb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(23,829)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231_zpzV8QucTT2" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(38,613)</span></td></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_98F_ecustom--GoodwillEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231_z6T3eDwShZEa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">141</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zczZlp2EHpDh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">(1,629)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zFeVvl2Ad14l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">13,631</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231_zZGlA9Rag3D5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">12,002</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>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Goodwill_iE_pn3n3_c20230101__20231231_zLvFdGV0qwt3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>397,538</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z2vbD54AVc4f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>61,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zPwQIQldjYm6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>234,247</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231_zVuOW9x6qRqj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>295,881</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>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="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Goodwill</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: 8pt; line-height: 115%"><b>Intangible assets</b></span></td></tr> <tr> <td style="padding: 2pt; width: 42%; 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: 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>Intangibles related to acquisitions</b></span></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>Other Intangibles</b></span></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>Total Intangibles</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>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Goodwill_iS_pn3n3_c20220101__20221231_zLMyOrAdcxWe" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>401,872</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zvQys8WxdJ2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>53,406</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zlMeGkyC1RE4" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>18,931</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231_z2cR6EPX5ea3" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>72,337</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--AdditionalRecognitionGoodwill_pn3n3_c20220101__20221231_zitax3GC26dc" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Additions"><span style="font-size: 8pt; line-height: 115%">7,654</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zgKNaGKTQWje" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">40,995</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zcsSmnZUhfzd" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">92,236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231_z7X6YX94Ics3" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">133,231</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Disposals</span></td> <td style="padding: 2pt; text-align: 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_986_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zUeBj8aipuYh" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(5,694)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231_zZTjTTPTniag" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(5,694)</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%">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%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zc63UrEavE8a" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(15,919)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zpOu9YYpBVa5" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(9,211)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231_zuqRwCKv6qjh" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(25,130)</span></td></tr> <tr 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 id="xdx_98B_ecustom--GoodwillOthers_pn3n3_c20220101__20221231_zBp6m1zw4qg6" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Others"><span style="font-size: 8pt; line-height: 115%">(11,637)</span></td> <td style="padding: 2pt; text-align: 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%">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--GoodwillEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231_zr6Z4UC11xah" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">(492)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zTJc2sU67nP3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><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_988_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_z696sHKPDv3l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">7,855</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231_zN0UiOJgc9yj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">7,420</span></td></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--Goodwill_iE_pn3n3_c20220101__20221231_z56u6C07P9y2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z3GE7Arua2Kg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>78,047</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zGhn0SL40VYc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>104,117</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231_zRZEZfBQAto8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>182,164</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 style="vertical-align: bottom"> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Goodwill</b></span></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: 8pt"><b>Intangible assets</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 42%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; 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>Intangibles related to acquisitions</b></span></td> <td style="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>Other Intangibles</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center"><span style="font-size: 8pt"><b>Total Intangibles</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>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iS_pn3n3_c20210101__20211231_zYQG7I03A0Rf" style="padding: 2pt; text-align: right" title="Goodwill, Balance at beginning"><span style="font-size: 8pt"><b>831</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zfUks2kcgrxf" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>7,862</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zYsoqlKCR1Ze" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>4,510</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231_z0J09gPRPZ0c" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>12,372</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Additions</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--AdditionalRecognitionGoodwill_pn3n3_c20210101__20211231_zByj9oYHoqpa" style="padding: 2pt; text-align: right" title="Goodwill, Additions"><span style="font-size: 8pt">401,041</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zCLEETN0y6dd" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">56,993</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zAuRSFD7ePe8" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">71,393</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231_zh4t6IxxIgM4" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">128,386</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Disposals</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zM9yj0xvNdo8" style="padding: 2pt; text-align: right" title="Intangible assets, Disposals"><span style="font-size: 8pt">(49,141)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231_zEWJwMF0c5zf" style="padding: 2pt; text-align: right" title="Intangible assets, Disposals"><span style="font-size: 8pt">(49,141)</span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Amortization</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zSHHxvRcxX88" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(12,541)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zYw3OzWSm1ib" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(8,493)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231_zGo45CAoiFNf" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(21,034)</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zOpxR0f6dVYg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">1,092</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zsesmlEQ688e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">662</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231_zHT2YI0cy8d4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">1,754</span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--Goodwill_iE_pn3n3_c20210101__20211231_zpSizZKPWPsd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Goodwill, Balance at ending"><span style="font-size: 8pt"><b>401,872</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z9htGu18pBh4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>53,406</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zGu5r5tMpXFc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>18,931</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231_zEAvJP8NcFw6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>72,337</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2021 | nu |
Intangible Assets Additions
IntangibleAssetsAdditions
|
128386000 | usd |
| CY2021 | ifrs-full |
Disposals Intangible Assets Other Than Goodwill
DisposalsIntangibleAssetsOtherThanGoodwill
|
49141000 | usd |
| CY2021 | ifrs-full |
Amortisation Intangible Assets Other Than Goodwill
AmortisationIntangibleAssetsOtherThanGoodwill
|
21034000 | usd |
| CY2021 | nu |
Intangible Assets Effect Of Changes In Exchange Rates
IntangibleAssetsEffectOfChangesInExchangeRates
|
1754000 | usd |
| CY2021Q4 | ifrs-full |
Goodwill
Goodwill
|
401872000 | usd |
| CY2021Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
72337000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Derivative Financial Instruments Explanatory
DisclosureOfDerivativeFinancialInstrumentsExplanatory
|
<p id="xdx_801_eifrs-full--DisclosureOfDerivativeFinancialInstrumentsExplanatory_zrFUnnedFWb7" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">19. <span id="xdx_82B_zxt0KiZtDoVi">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 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, intercompany transactions 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> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--TheBreakdownOfTheNotionalAndorContractualValuesAndTheFairValueOfDerivativesHeldForTradingTableTextBlock_zp2gt6499UNf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_z7YfcvIGwled" style="display: none">Schedule of derivative fair value through profit or loss and designated as portfolio hedge</span></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> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</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: 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>Fair values</b></span></td></tr> <tr> <td style="padding: 2pt; width: 61%; text-align: left"> </td> <td style="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>Notional amount</b></span></td> <td style="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>Assets</b></span></td> <td style="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>Liabilities</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Derivatives classified as fair value through profit or loss</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 61%; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98C_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zoySNYqg4Zh1" style="padding: 2pt; width: 12%; text-align: right" title="Notional amount"><span style="font-size: 8pt">758,536</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98C_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zeKKypzu9QPj" style="padding: 2pt; width: 12%; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">6</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_986_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_z3ZYv29sbjB5" style="padding: 2pt; width: 12%; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">4</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zzIMB147DOg1" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">421,306</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zHU9HqmjGY48" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">1,963</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zieBq4WWkeP3" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4714">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_ziC3vHtAp2Ql" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">213,568</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zfuk1zsUSnI2" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4718">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_z0s0FKUpRsZ6" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">22,294</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zsYTk5b5IFH2" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">114,478</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zLg6Un3F9Nvl" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4724">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zGAIrpsTZwc7" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">5,875</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zBvsHGSc5kEl" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">10</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zLY4hGiVw8Il" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">20</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20231231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_z9tUxyge3Lrf" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Derivatives held for hedging</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></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Designated as cash flow hedge</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--NotionalAmount_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zmCFy0ta6prg" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">188,748</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zgJ25U4WoCp2" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">1,050</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--FinancialLiabilities_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_z4MoBPPdakp9" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4738">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--NotionalAmount_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_zIjAGe4dnkmg" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">88,193</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_zOegxxW6Vx76" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">17,882</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_z7mnG4CZxrRe" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4744">-</span></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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Designated as portfolio hedge</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--NotionalAmount_iI_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zTGi7jJKkCid" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">241,995</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zCQKhMrubro" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">60</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zhlRxXdRfSBl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4750">-</span></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_98C_eifrs-full--NotionalAmount_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember_z3szPi3emEpd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt"><b>2,026,834</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--FinancialAssetsAtFairValue_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_z3FDv2FI4CJc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><b>20,981</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--FinancialLiabilities_pn3n3_c20231231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zgXNzrO2nPSc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><b>28,173</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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</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: 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>Fair values</b></span></td></tr> <tr> <td style="padding: 2pt; width: 61%; 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>Notional amount</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: 8pt"><b>Assets</b></span></td> <td style="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>Liabilities</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Derivatives classified as fair value through profit or loss</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts - Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_z9wOANfOMGl1" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">792,559</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zoBiAXkIMjcl" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">27</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zu8lB1o6PmV1" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">105</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_z1HPeTyyT0Ql" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">111,634</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_d0_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zURFgQN9kJth" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">917</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--ExchangerateContractsFutureMember_zx0pSRLKY4J9" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">51</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zpbvg8Us6jeh" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">10,056</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_zZ5cZYyFAKM7" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">50</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsSwapMember_z3YKGKNHtccl" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4774">-</span></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_z0dbocjzlfZ7" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">113,682</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_znx2po4gWcql" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">11,228</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--CurrencyNonDeliverableForwardContractMember_zHCk44drdR0g" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">24</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zXoboQj6uPR5" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">100,000</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zqODOXppruUd" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">27,908</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--FinancialLiabilities_iI_pn3n3_d0_c20221231__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--WarrantsMember_zeX5QsdopNY9" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">-</span></td></tr> <tr style="background-color: #E8E7FC"> <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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Derivatives held for hedging</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></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Designated as cash flow hedge</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zELKHwHMdUsg" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">129,459</span></td> <td style="padding: 2pt; text-align: left"> </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_zeKEo0bJdZU6" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">1,209</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--FuturesContractMember_zkZIxqO3wDEb" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">182</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_z2wqUkBUP9zk" style="padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">89,726</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_zszyqhbutnRc" style="padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">145</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__ifrs-full--InterestRateSwapContractMember_z4qBIXiXykR2" style="padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">9,017</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: 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Designated as portfolio hedge</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zm7DlDhs0fql" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt">1,551,521</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_z6aQW2DlYVd3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember__ifrs-full--ClassesOfFinancialAssetsAxis__custom--DIFutureMember_zdqpM0WiE3Cc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt">46</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_988_eifrs-full--NotionalAmount_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsSaleCommitmentsMember__custom--DerivativeInstrumentsAxis__custom--DerivativeInstrumentsForeignCurrencyMember_zc6qWNKfvsDb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Notional amount"><span style="font-size: 8pt"><b>2,898,637</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--FinancialAssetsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_zAF120Fjly6j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial assets, at fair value"><span style="font-size: 8pt"><b>41,485</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--FinancialLiabilities_iI_pn3n3_c20221231__custom--DerivativeFinancialInstrumentsAxis__custom--DerivativeFinancialInstrumentsPurchaseCommitmentsMember_ziudfNDpSwhd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Financial liabilities"><span style="font-size: 8pt"><b>9,425</b></span></td></tr> </table> <p id="xdx_8A8_zMA8WPXtt5Df" 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 at the maturity date 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 loans and intercompany loans with Nu Colombia in U.S. dollars with settlements in June 2024.</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.</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> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--DisclosureDerivativeFinancialLiabilitiesThatWillBeSettledAtNetValueTableTextBlock_zHNtyWdajaGf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_zDqPUX06Bxdk" style="display: none">Schedule of breakdown by maturity of the notional amounts</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49C_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z2ojXHYkgWUd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zydC6HWaBBQ6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_496_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zVIHXk66XNve" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20231231_zGTcFD6nELh8" style="padding: 2pt; text-align: center"> </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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 56%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>3 to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td></tr> <tr id="xdx_40D_eifrs-full--AssetsAbstract_iB_zGme4ZLTLux5" style="background-color: white"> <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: 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 id="xdx_404_ecustom--InterestRateContractsFuturesAssets_iI_pn3n3_zHFaN6pR4tOa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4819">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">728,473</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,698</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">742,171</span></td></tr> <tr id="xdx_403_ecustom--ForeignCurrencyExchangeRateContractsFuturesAssets_iI_pn3n3_zJ2Kkwobs0dc" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">610,054</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4825">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4826">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">610,054</span></td></tr> <tr id="xdx_40E_ecustom--InterestRateContractsSwapsAssets_iI_pn3n3_z4zwJuD3VPk9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4829">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4830">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,968</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,968</span></td></tr> <tr id="xdx_400_ecustom--ForeignCurrencyExchangeRateContractsNondeliverableForwardsAssets_iI_pn3n3_z5dgiRc80xUb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4834">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">20,000</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4836">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">20,000</span></td></tr> <tr id="xdx_40F_ecustom--OtherWarrantsAssets_iI_pn3n3_zdFMH9xKTSo1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</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 style="-sec-ix-hidden: xdx2ixbrl4839">-</span></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 style="-sec-ix-hidden: xdx2ixbrl4840">-</span></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">10</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">10</span></td></tr> <tr id="xdx_40B_ecustom--TotalAssets_iI_pn3n3_z7ZMd7PFKiu6" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total assets</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>610,054</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>748,473</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>24,676</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>1,383,203</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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 id="xdx_401_eifrs-full--LiabilitiesAbstract_iB_zmhwZPxcrvZe" style="background-color: white"> <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: 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 id="xdx_405_ecustom--InterestRateContractsFuturesLiabilities_iI_pn3n3_zx52vdTYHQ8a" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4854">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">16,131</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">16,365</span></td></tr> <tr id="xdx_40A_ecustom--InterestRateContractsSwapsLiabilities_iI_pn3n3_zvUD5GniOdb4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4859">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">202,600</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4861">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">202,600</span></td></tr> <tr id="xdx_40A_ecustom--EquityTotalReturnSwapLiabilities_iI_pn3n3_z0b3Z0fUvRrf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">9,388</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">78,805</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4866">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">88,193</span></td></tr> <tr id="xdx_401_ecustom--ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilities_iI_pn3n3_zHYbZIxkqEMb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4869">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">94,478</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4871">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">94,478</span></td></tr> <tr id="xdx_408_ecustom--DiFutureLibilities_iI_pn3n3_z2oA74vPnNa4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</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">123,446</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">108,808</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">9,741</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">241,995</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities_iI_pn3n3_zSdcLwJ1xSvb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total liabilities</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>132,834</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>484,925</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>25,872</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>643,631</b></span></td></tr> <tr id="xdx_40E_ecustom--GrossTotal_iI_pn3n3_zybufuC3E5Yc" 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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>742,888</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>1,233,398</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>50,548</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>2,026,834</b></span></td></tr> </table> <p style="font: 11pt 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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49F_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zOk9F2UGcwm3" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49E_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z645TLwupZdh" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zMpnrLKs8nr8" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20221231_z1hV4KyH5h88" style="padding: 2pt; text-align: center"> </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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 51%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Up to 3 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>3 to 12 months</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>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="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>Total</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: 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 id="xdx_40D_eifrs-full--AssetsAbstract_iB_zLP2viXOlhei" 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: 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 id="xdx_404_ecustom--InterestRateContractsFuturesAssets_iI_pn3n3_z015984ZAJNg" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">332,497</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">73,286</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">348</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">406,131</span></td></tr> <tr id="xdx_404_ecustom--ForeignCurrencyExchangeRateContractsFuturesAssets_iI_pn3n3_zghL3VCsOM1g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">241,093</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4900">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4901">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">241,093</span></td></tr> <tr id="xdx_40E_ecustom--InterestRateContractsSwapsAssets_iI_pn3n3_zOTHxaHJ2Lr8" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4904">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4905">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,056</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,056</span></td></tr> <tr id="xdx_406_ecustom--ForeignCurrencyExchangeRateContractsNondeliverableForwardsAssets_iI_pn3n3_zLDkinQTdLM8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">113,682</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4910">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4911">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">113,682</span></td></tr> <tr id="xdx_407_ecustom--OtherWarrantsAssets_iI_pn3n3_zlavGop3dbR8" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</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 style="-sec-ix-hidden: xdx2ixbrl4914">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"> </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">100,000</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">100,000</span></td></tr> <tr id="xdx_40B_ecustom--TotalAssets_iI_pn3n3_zhemwJX1Ih2f" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total assets</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>687,272</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>73,286</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>110,404</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>870,962</b></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: 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 id="xdx_401_eifrs-full--LiabilitiesAbstract_iB_zfCzWOyg7fT6" 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: 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 id="xdx_405_ecustom--InterestRateContractsFuturesLiabilities_iI_pn3n3_zqzCMf4JcAtc" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27,776</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">256,240</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">102,412</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">386,428</span></td></tr> <tr id="xdx_40A_ecustom--EquityTotalReturnSwapLiabilities_iI_pn3n3_ziKCzOwlPx47" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4934">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">89,726</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4936">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">89,726</span></td></tr> <tr id="xdx_408_ecustom--DiFutureLibilities_iI_pn3n3_zqAxX9XOYX06" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</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">590,015</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">858,278</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">103,228</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">1,551,521</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities_iI_pn3n3_z1Cn6ER2fPg6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total liabilities</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>617,791</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>1,204,244</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>205,640</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>2,027,675</b></span></td></tr> <tr id="xdx_40E_ecustom--GrossTotal_iI_pn3n3_zj4Q3JnMPeu4" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,305,063</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>1,277,530</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>316,044</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>2,898,637</b></span></td></tr> </table> <p id="xdx_8AD_zcreRU7JODp3" style="margin-top: 0; margin-bottom: 0"> </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_893_ecustom--DisclosureOfDerivativeFinancialLiabilitiesThatWillBeSettledAtFairValueTableTextBlock_ziyVjcBRJl0e" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 2)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B0_z4YjHLKmvMva" style="display: none">Schedule of breakdown by maturity of the fair value amounts</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_495_20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zIxDI3e09qK9" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_496_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zi6OIu1ZN5o6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49A_20231231_zxW3y6WQh6We" style="padding: 2pt; text-align: center"> </td></tr> <tr style="background-color: white"> <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: 8pt"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 61%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="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>Total</b></span></td></tr> <tr id="xdx_40D_eifrs-full--AssetsAbstract_iB_zXudQpiImTNe" style="background-color: white"> <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: 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 id="xdx_408_ecustom--EquityTotalReturnsSwapAssets_iI_pn3n3_z9fLjajAIVw1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17,882</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4961">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17,882</span></td></tr> <tr id="xdx_409_ecustom--OtherInterestRateContractsFutureAssets_iI_pn3n3_zqemwyxPdXc9" style="background-color: white"> <td style="padding: 2pt; width: 61%; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: right"><span style="font-size: 8pt">6</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4965">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: right"><span style="font-size: 8pt">6</span></td></tr> <tr id="xdx_405_ecustom--ForeignCurrencyExchangeRateContractsFutureAssets_iI_pn3n3_zF9mokukOJSa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">3,013</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4969">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">3,013</span></td></tr> <tr id="xdx_40C_ecustom--DiFutureAssets_iI_pn3n3_zKK1E3KFHfI6" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">60</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4973">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">60</span></td></tr> <tr id="xdx_403_ecustom--WarrantsAssets_iI_pn3n3_zIXPFZa1io1d" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</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">20</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 style="-sec-ix-hidden: xdx2ixbrl4977">-</span></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">20</span></td></tr> <tr id="xdx_401_ecustom--TotalMaturityAssets_iI_pn3n3_zjyiw0y8kuEl" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total assets</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>20,981</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><span style="-sec-ix-hidden: xdx2ixbrl4981">-</span></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>20,981</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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 id="xdx_401_eifrs-full--LiabilitiesAbstract_iB_zgE8fghaVjb7" style="background-color: white"> <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: 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 id="xdx_40E_ecustom--InterestRateContractsFutureLiabilities1_iI_pn3n3_zPZ9Or8odmG6" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4989">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4</span></td></tr> <tr id="xdx_405_ecustom--InterestRateContractsSwapLiabilities1_iI_pn3n3_zjTCeEnmXWO5" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">22,294</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl4993">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">22,294</span></td></tr> <tr id="xdx_40C_ecustom--ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilitie_iI_pn3n3_zrChku5ntUnj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</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">5,875</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 style="-sec-ix-hidden: xdx2ixbrl4997">-</span></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">5,875</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities1_iI_pn3n3_zrDL5I0N6NV4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total liabilities</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>28,173</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><span style="-sec-ix-hidden: xdx2ixbrl5001">-</span></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>28,173</b></span></td></tr> </table> <p style="font: bold 8pt Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><i> </i></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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49C_20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zbyh3nccxYK6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zg9coCyMpLU5" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20221231_zVmhGAava989" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 61%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="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>Total</b></span></td></tr> <tr id="xdx_40D_eifrs-full--AssetsAbstract_iB_zMKzJVmp6xph" style="background-color: white"> <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: 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 id="xdx_408_ecustom--EquityTotalReturnsSwapAssets_iI_pn3n3_zpWb96rHfkNi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">145</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5009">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">145</span></td></tr> <tr id="xdx_40C_ecustom--InterestRateContractsSwapAssets_iI_pn3n3_zrXv7BvOi8h5" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Swaps</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5012">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">50</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">50</span></td></tr> <tr id="xdx_409_ecustom--OtherInterestRateContractsFutureAssets_iI_pn3n3_zOYZ49XY5bJ5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5017">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27</span></td></tr> <tr id="xdx_405_ecustom--ForeignCurrencyExchangeRateContractsFutureAssets_iI_pn3n3_zmmiwBh31j8g" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,126</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5021">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,126</span></td></tr> <tr id="xdx_406_ecustom--ForeignCurrencyExchangeRateContractNondeliverableForwardsNdf_iI_pn3n3_zewhMbDiACSe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">11,228</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5025">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">11,228</span></td></tr> <tr id="xdx_403_ecustom--WarrantsAssets_iI_pn3n3_zF0BCpGIkZ8j" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Warrants</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5028">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27,908</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">27,908</span></td></tr> <tr id="xdx_409_ecustom--InterestRateContractsFuturePortfolioHedgeAssets_iI_pn3n3_zLM3FNj45O79" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Future - portfolio hedge</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</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 style="-sec-ix-hidden: xdx2ixbrl5033">-</span></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</span></td></tr> <tr id="xdx_401_ecustom--TotalMaturityAssets_iI_pn3n3_z6oPRiTquZwh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total assets</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>13,527</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>27,958</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>41,485</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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 id="xdx_401_eifrs-full--LiabilitiesAbstract_iB_ztXdsiZ6wbug" style="background-color: white"> <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: 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 id="xdx_400_ecustom--EquityTotalReturnSwapLiabilities1_iI_pn3n3_zWKEtiMTILT7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Equity - Total Return Swap (TRS)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">9,017</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5045">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">9,017</span></td></tr> <tr id="xdx_40E_ecustom--InterestRateContractsFutureLiabilities1_iI_pn3n3_zCMnFCrdugxe" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">17</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">88</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">105</span></td></tr> <tr id="xdx_40B_ecustom--ForeignCurrencyExchangeRateContractsFutureLiabilities_iI_pn3n3_zmH3B2vxu5lh" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts – Futures</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">233</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5053">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">233</span></td></tr> <tr id="xdx_40C_ecustom--ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilitie_iI_pn3n3_zfj027WBbr7k" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Foreign currency exchange rate contracts - Non-deliverable forwards (NDF)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">24</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5057">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">24</span></td></tr> <tr id="xdx_40E_ecustom--DiFutureNotesLiabilities_iI_pn3n3_zkrkJWSKO8wk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">DI - Future - notes 13 and 14</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">46</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 style="-sec-ix-hidden: xdx2ixbrl5061">-</span></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">46</span></td></tr> <tr id="xdx_407_ecustom--TotalLiabilities1_iI_pn3n3_zngP6Tlhy5S7" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total liabilities</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>9,337</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>88</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>9,425</b></span></td></tr> </table> <p id="xdx_8A8_zdp5XchtWW56" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><i>a) Hedge of foreign currency risk</i></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, related to the cloud infrastructure, certain software licenses and intercompany expenses. The Group managed its exposures to the variability in cash flows of foreign currency forecasted transactions to movements in foreign exchange rates by entering into foreign currency exchange rate 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 including intercompany expenses. 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 hedged item. 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_89F_ecustom--ScheduleOfForecastAndActualPaymentOfExpenses_zvCxKUOKZyn1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 3)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B7_zedhpdiBaMb3" style="display: none">Schedule of forecast and actual payment of expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_496_20230101__20231231_zztNaMNKodvb" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_zG3lbjjGRvVd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_493_20210101__20211231_zXUrD2XvtOpc" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 61%; text-align: left"> </td> <td style="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>2023</b></span></td> <td style="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>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; 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>2021</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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ForecastAndActualPaymentOfExpenses_iS_pn3n3_zbrN6bDdFEZi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(2,610)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,487</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>49</b></span></td></tr> <tr id="xdx_40F_ecustom--FairValueChangeRecognizedInOciDuringYear_pn3n3_z9BYQGMOIjgk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value change recognized in OCI during the period</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(29,945)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(20,924)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,705</span></td></tr> <tr id="xdx_40B_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear_pn3n3_zmY5b4Z99gJ2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total amount reclassified from cash flow hedge reserve to the statement of profit or loss during the period</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>20,685</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>14,012</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(242)</b></span></td></tr> <tr id="xdx_40D_ecustom--CustomerSupportAndOperation_pn3n3_zzewBQvvjZki" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">to "Customer support and operation"</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">15,338</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,769</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(91)</span></td></tr> <tr id="xdx_40A_ecustom--GeneralAndAdministrativeExpense2_pn3n3_zZXfGOHIVOxa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">to "General and administrative expenses"</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,176</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,778</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(136)</span></td></tr> <tr id="xdx_40C_ecustom--EffectOfChangesInExchangeRatesOci_pn3n3_zWfaxoVmYh0k" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(829)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(535)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(15)</span></td></tr> <tr style="background-color: #E8E7FC"> <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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_409_eifrs-full--DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_pn3n3_zx35WUy8WBbd" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred income taxes</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>3,616</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>2,815</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(1,025)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--ForecastAndActualPaymentOfExpenses_iE_pn3n3_zZhHJZLUGYMb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</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>(8,254)</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>(2,610)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,487</b></span></td></tr> </table> <p id="xdx_8A6_zmoIrYL5N7d" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The expected future transactions that are the hedged item are:</p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfMaterialFutureTransactions_zpvPkpnTPd6f" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 4)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8B0_z7UZrwXCM1lk" style="display: none">Schedule of material future transactions</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_493_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z6yiIOZuuQ57" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49D_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zXfTXlkbDAZg" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49C_20231231_zMx83Bc7Adea" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49A_20221231_zvyeJtZc6rif" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 47%; 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>Up to 3 months</b></span></td> <td style="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>3 to 12 months</b></span></td> <td style="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>Total</b></span></td> <td style="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>Total</b></span></td></tr> <tr id="xdx_40A_ecustom--ExpectedForeignCurrencyTransactions_iI_pn3n3_z6BivLlr6an7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Expected foreign currency transactions</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">67,564</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">119,892</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">187,456</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">129,459</span></td></tr> <tr id="xdx_404_ecustom--TotalExpectedForeignCurrencyTransactions_iI_pn3n3_zcKXh8ybQ2If" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>67,564</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>119,892</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>187,456</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>129,459</b></span></td></tr> </table> <p id="xdx_8AD_z4GqTwL6JtB8" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><i>b) Hedge of portfolio's interest rate risk </i></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The Group holds portfolios of customer loan and refinancing of credit cards receivables at fixed interest rates, in its banking book which are exposed to interest rate risk. To hedge this risk, the Group entered into DI futures contracts, and applied hedge accounting aiming to eliminate differences between the accounting measurement of its derivatives and hedged items.</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 DI future 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 DI future contracts will be assessed, to counterbalance the hedged item’s fair value adjustment, aiming to assure hedge effectiveness between <span id="xdx_906_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20231231__ifrs-full--RangeAxis__ifrs-full--BottomOfRangeMember_z6N3xlb7XTfk" title="Derivative hedge percentage">80</span>% and <span id="xdx_90B_eifrs-full--DerivativesPercentageContributedToFairValueOfPlanAssets_iI_pip0_dp_c20231231__ifrs-full--RangeAxis__ifrs-full--TopOfRangeMember_z9KGcjT8smAj" 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 on a prospective and retrospective basis. 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 item and on the hedge instrument fair value. For the retrospective test, the fair value change since the inception of the hedged item is compared to the hedge instrument. In both cases, the hedge is considered effective if the correlation is between 80% and 125%. As of December 31, 2023 the effectiveness ratio for the hedges of the credit card and loan portfolios were 100% and 99%, respectively.</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>Changes in fair value</i></b></p> <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--DisclosureOfEffectivenessRatioChangesInFairValueTableTextBlock_ztohD9XIvKSf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 5)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8B9_zTnAzypffBw5" 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"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: right"> </td></tr> <tr style="background-color: white"> <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>2023</b></span></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td rowspan="2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Hedge object</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value adjustment to the</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>hedge object</b></p></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Derivative hedge</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>instrument</b></p></td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Asset</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Liability</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Fair value variation</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 48%; text-align: left"><span style="font-size: 8pt"><b>Interest rate risk</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 14%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts - Future - portfolio hedge - credit card</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zHO8RJ4TpMy2" style="padding: 2pt; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt">5,368</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zsJ6AIOOlWG1" style="padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt">32</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zZ1kzvsYv9X9" style="padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5124">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zoTFmpIjYl6b" style="padding: 2pt; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt">(16)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest rate contracts - Future - portfolio hedge - loan</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zbc5v5z55XQd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt">164,733</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_z2SiFx9YZQ6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt">698</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zSKwY8xB3Ti2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5132">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20231231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_z0rECrHKak2f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt">(601)</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_983_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20231231_ziJgcxXdvrBa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt"><b>170,101</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20231231_zScMwpR5wLIl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt"><b>730</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20231231_zfRIYcrjolxd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5140">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20231231_zjH3Mf5Tq6Te" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt"><b>(617)</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b><i> </i></b></p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; 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; vertical-align: bottom; background-color: white; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; background-color: white; text-align: left"> </td> <td rowspan="2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Hedge object</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td colspan="3" style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value adjustment to the</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>hedge object</b></p></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Derivative hedge</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>instrument</b></p></td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; background-color: white; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; background-color: white; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Asset</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Liability</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>Fair value variation</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 48%; text-align: left"><span style="font-size: 8pt"><b>Interest rate risk</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 12%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 14%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Interest rate contracts - Future - portfolio hedge - credit card</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_z6NfBBnbyQv8" style="padding: 2pt; vertical-align: top; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt">72,337</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_z76Qs9lotwHh" style="padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt">(51)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_zIiOBd6ZJOMi" style="padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5148">-</span></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_989_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractFuturePortfolioHedgeCreditCardMember_za4Y88XRF6b1" style="padding: 2pt; vertical-align: top; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt">22</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Interest rate contracts - Future - portfolio hedge - loan</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zUaJOnQ1OIuj" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: top; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt">1,189,716</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zIyXgI1TTid5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt">(2,836)</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_982_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_z0vChxaEszR7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5156">-</span></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_985_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231__custom--DerivativeInstrumentsAxis__custom--InterestRateContractsFuturePortfolioHedgeLoanMember_zjjrnSwZaTSg" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: top; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt">2,062</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_eifrs-full--FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue_iI_pn3n3_c20221231_zICIzoo6Ffea" style="padding: 2pt; vertical-align: top; text-align: right" title="Derivative object hedge"><span style="font-size: 8pt"><b>1,262,053</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_iI_pn3n3_c20221231_zYDeV4Pqtxol" style="padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object asset"><span style="font-size: 8pt"><b>(2,887)</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_989_eifrs-full--AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_iI_pn3n3_c20221231_z4owFn2Uxt6c" style="padding: 2pt; vertical-align: top; text-align: right" title="Fair value adjustment to the hedge object liability"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5164">-</span></b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_980_ecustom--DerivativeHedgeInstrumentFairValueVariation_iI_pn3n3_c20221231_ztABb8DxoEEi" style="padding: 2pt; vertical-align: top; text-align: right" title="Derivative hedge instrument fair value variation"><span style="font-size: 8pt"><b>2,084</b></span></td></tr> </table> <p id="xdx_8AF_zqgetYqHQAT1" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; text-align: justify">c) Hedge of <span style="color: #1D1C1D">corporate and social security taxes </span>over share-based compensation</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 and 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_897_ecustom--ScheduleOfHedgeOfCorporateAndSocialSecurityTaxesOverShareBasedCompensationTableTextBlock_zgBae6x9dWOl" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 6)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B1_zEmJWDKMddL1" 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"> </td> <td id="xdx_499_20230101__20231231_zzXmwMAStWwh" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49B_20220101__20221231_zarIQQP8416e" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 70%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr id="xdx_40F_eifrs-full--DerivativeFinancialLiabilitiesHeldForHedging_iS_pn3n3_zvRANOaAAjM" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(4,876)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5171">-</span></b></span></td></tr> <tr id="xdx_40E_ecustom--FairValueChangeRecognizedInOciDuringYear1_pn3n3_zTLgEPPv9Dzb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value change recognized in OCI during the year</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">59,250</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,871)</span></td></tr> <tr id="xdx_40E_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToStatementOfProfitOrLossDuringYear_pn3n3_zu8BhviJiCdk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total amount reclassified from cash flow hedge reserve to the statement of profit or loss during the year (note 10)</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>(33,703)</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>3,995</b></span></td></tr> <tr id="xdx_404_ecustom--ToCustomerSupportAndOperation_pn3n3_zYDEHa8RaDH9" style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>to "Customer support and operation"</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>(1,372)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i><span style="-sec-ix-hidden: xdx2ixbrl5180">-</span></i></span></td></tr> <tr id="xdx_405_ecustom--GeneralAndAdministrativeExpense3_pn3n3_zhr4Oaju6n8d" style="background-color: #E8E7FC"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>to "General and administrative expenses"</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>(31,183)</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>3,995</i></span></td></tr> <tr id="xdx_40A_ecustom--ToMarketingExpenses_pn3n3_zbxYg62IMGLe" style="background-color: white"> <td style="padding: 2pt 2pt 2pt 0.25in; text-align: left"><span style="font-size: 8pt"><i>to "Marketing expenses"</i></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"><i>(1,148)</i></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"><i><span style="-sec-ix-hidden: xdx2ixbrl5186">-</span></i></span></td></tr> <tr id="xdx_407_eifrs-full--DerivativeFinancialLiabilitiesHeldForHedging_iE_pn3n3_zmlAFAr453mg" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</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>20,671</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>(4,876)</b></span></td></tr> </table> <p id="xdx_8A3_zVoteOHVp6Ma" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 8pt; text-align: justify"> </p> <p 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_89A_ecustom--ScheduleOfExpectedCashDisbursementTableTextBlock_zUyyJ2ANoork" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 7)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B8_zofomULmXSKl" style="display: none">Schedule of expected cash disbursement</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_493_20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneYearMember_zcZ5UsMXAzM8" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_496_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearAndNotLaterThanThreeYearsMember_z44p8VAQPX9j" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_499_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanFiveYearsMember_zCxButCeDXp6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_492_20231231_zUEpRdCfyNCj" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_499_20221231_z1rRFIEqw5nk" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td colspan="7" style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td 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: 42%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Up to 1 year</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>1 to 3 years</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: 8pt"><b>Above 3 years</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: 8pt"><b>Total</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: 8pt"><b>Total</b></span></td></tr> <tr id="xdx_40A_ecustom--ConsideringReportingDateFairValueOfHedgedItemAbstract_iB_z2B8pxjZuPYk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Considering the reporting date fair value of the hedged item:</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> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--ExpectedCashDisbursementForIncomeTaxPayments_iI_pn3n3_zKtmHWM8HjG5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Expected cash disbursement for corporate and social contributions</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">42,707</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">67,889</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 style="-sec-ix-hidden: xdx2ixbrl5201">-</span></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">110,596</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">59,058</span></td></tr> <tr id="xdx_409_ecustom--TotalExpectedCash_iI_pn3n3_zI904IGzlRjc" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>42,707</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>67,889</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><span style="-sec-ix-hidden: xdx2ixbrl5207">-</span></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>110,596</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>59,058</b></span></td></tr> </table> <p id="xdx_8AC_zfswObOGIwGb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023 | nu |
Disclosure Of Changes In Intangible Assets Explanatory
DisclosureOfChangesInIntangibleAssetsExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--DisclosureOfChangesInIntangibleAssetsExplanatory_zGqLEfTnF44g" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (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_z2ZmKiE1Daqk"><span id="xdx_8B8_z4I2mZ7ZSC9h" style="display: none">Schedule of intangible assets</span></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> <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; 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr> <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: 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: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Accumulated amortization</b></span></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>Net 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: 13%; 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: 11%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Accumulated amortization</b></span></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>Net 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%">Intangibles related to acquisitions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zDGv90e9CdLh" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">107,181</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zeNRIscTbdS7" style="padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(45,547)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zHQAaf6Eok4e" style="padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">61,634</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zdnuO1KttKWf" style="padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">107,179</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zx4siZCcZx7c" style="padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(29,132)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zcmeHzszjiEi" style="padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">78,047</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 Intangibles</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znlovI3Y5sM1" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">279,051</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zNbQTSyg19Pd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(44,804)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zVW8LqQEp8Bd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">234,247</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znAw1drJCCvk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Cost"><span style="font-size: 8pt; line-height: 115%">123,282</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zVPcujSxtO8h" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%">(19,165)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zDDkRUClkeKf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%">104,117</span></td></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_981_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20231231_zo0iujilrcg7" 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>386,232</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20231231_zVigPPKs2BWl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%"><b>(90,351)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20231231_zioKs1fJ8iR5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%"><b>295,881</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--IntangibleAssetsOtherThanGoodwillGross_iI_pn3n3_c20221231_zT5f3hnwFRCh" 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>230,461</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IntangibleAssetsAccumulatedAmortization_iNI_pn3n3_di_c20221231_zfHBlEngdLH5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Accumulated amortization"><span style="font-size: 8pt; line-height: 115%"><b>(48,297)</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--IntangibleAssetsOtherThanGoodwill_iI_pn3n3_c20221231_zco0Q3pjMcz7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Net value"><span style="font-size: 8pt; line-height: 115%"><b>182,164</b></span></td></tr> </table> | |
| CY2023Q4 | nu |
Intangible Assets Other Than Goodwill Gross
IntangibleAssetsOtherThanGoodwillGross
|
386232000 | usd |
| CY2023Q4 | nu |
Intangible Assets Accumulated Amortization
IntangibleAssetsAccumulatedAmortization
|
90351000 | usd |
| CY2023Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
295881000 | usd |
| CY2022Q4 | nu |
Intangible Assets Other Than Goodwill Gross
IntangibleAssetsOtherThanGoodwillGross
|
230461000 | usd |
| CY2022Q4 | nu |
Intangible Assets Accumulated Amortization
IntangibleAssetsAccumulatedAmortization
|
48297000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2023 | nu |
Disclosure Of Changes Ingoodwill Explanatory
DisclosureOfChangesIngoodwillExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_898_ecustom--DisclosureOfChangesIngoodwillExplanatory_zwb14DHy6HNa" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (Details 1)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zQrMKUAzCY92" style="display: none">Schedule of goodwill</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"> </td></tr> <tr style="vertical-align: bottom"> <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: 13%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 15%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</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 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>Goodwill</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></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%">Easynvest's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_z6JWRHEObOm5" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,266</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--EasynvestsMember_z1fKB8ZCXY4i" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">381,125</span></td></tr> <tr 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%">Cognitect's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_zkGPL5FywhA8" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">831</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--CognitectIncMember_z477eQmWYCA8" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">831</span></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%">Spin Pay's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zWr4Li0dLwFh" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">5,060</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--SpinPayMember_zYIGWndvVm4" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">5,060</span></td></tr> <tr 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%">Olivia's acquisition</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Goodwill_iI_pn3n3_c20231231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zHsVnxm1Uc97" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">10,381</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iI_pn3n3_c20221231__ifrs-full--BusinessCombinationsAxis__custom--OliviaMember_zG6for7nyyjb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%">10,381</span></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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--Goodwill_iI_pn3n3_c20231231_zBjAsEvbh9Wi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%"><b>397,538</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--Goodwill_iI_pn3n3_c20221231_z9YvZ1GeG6fj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td></tr> </table> | |
| CY2023Q4 | ifrs-full |
Goodwill
Goodwill
|
397538000 | usd |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Reconciliation Of Changes In Intangible Assets And Goodwill Explanatory
DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_89A_eifrs-full--DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory_zURGcGGpmN0a" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Intangibles assets and goodwill (Details 2)"> <tr style="background-color: white"> <td id="xdx_8B0_zKqWCjCsMIle" style="padding: 2pt; display: none; text-align: left; line-height: 115%">Schedule of changes on intangible assets and goodwill</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%" title="Intangible assets, Additions"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"> </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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Goodwill</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: 8pt; line-height: 115%"><b>Intangible assets</b></span></td></tr> <tr> <td style="padding: 2pt; width: 42%; 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: 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>Intangibles related to acquisitions</b></span></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>Other Intangibles</b></span></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>Total Intangibles</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>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--Goodwill_iS_pn3n3_c20230101__20231231_zgdh32u2vHx3" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zSBr0wiDME7g" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>78,047</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zeaShucPa7Bj" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>104,117</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20230101__20231231_zcYk9BUG5L02" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>182,164</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 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--IntangibleAssetsAdditions_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_znTLtPBKzIN5" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">165,160</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IntangibleAssetsAdditions_pn3n3_c20230101__20231231_zuGysCOicZk1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">165,160</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Disposals</span></td> <td style="padding: 2pt; text-align: 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_98B_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zDfj4ltBk5Q6" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(24,832)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231_z69VIwkBJai1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(24,832)</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%">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%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zdSql5UDicL1" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(14,784)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zS4Fd5eXTmb6" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(23,829)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20230101__20231231_zpzV8QucTT2" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(38,613)</span></td></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_98F_ecustom--GoodwillEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231_z6T3eDwShZEa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">141</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zczZlp2EHpDh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">(1,629)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zFeVvl2Ad14l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">13,631</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20230101__20231231_zZGlA9Rag3D5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">12,002</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>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--Goodwill_iE_pn3n3_c20230101__20231231_zLvFdGV0qwt3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>397,538</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z2vbD54AVc4f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>61,634</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zPwQIQldjYm6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>234,247</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20230101__20231231_zVuOW9x6qRqj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>295,881</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>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="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Goodwill</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: 8pt; line-height: 115%"><b>Intangible assets</b></span></td></tr> <tr> <td style="padding: 2pt; width: 42%; 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: 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>Intangibles related to acquisitions</b></span></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>Other Intangibles</b></span></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>Total Intangibles</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>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--Goodwill_iS_pn3n3_c20220101__20221231_zLMyOrAdcxWe" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>401,872</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zvQys8WxdJ2b" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>53,406</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zlMeGkyC1RE4" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>18,931</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20220101__20221231_z2cR6EPX5ea3" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt; line-height: 115%"><b>72,337</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--AdditionalRecognitionGoodwill_pn3n3_c20220101__20221231_zitax3GC26dc" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Additions"><span style="font-size: 8pt; line-height: 115%">7,654</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zgKNaGKTQWje" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">40,995</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zcsSmnZUhfzd" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">92,236</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--IntangibleAssetsAdditions_pn3n3_c20220101__20221231_z7X6YX94Ics3" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Additions"><span style="font-size: 8pt; line-height: 115%">133,231</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Disposals</span></td> <td style="padding: 2pt; text-align: 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_986_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zUeBj8aipuYh" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(5,694)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231_zZTjTTPTniag" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Disposals"><span style="font-size: 8pt; line-height: 115%">(5,694)</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%">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%">-</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zc63UrEavE8a" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(15,919)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zpOu9YYpBVa5" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(9,211)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20220101__20221231_zuqRwCKv6qjh" style="padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Amortization"><span style="font-size: 8pt; line-height: 115%">(25,130)</span></td></tr> <tr 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 id="xdx_98B_ecustom--GoodwillOthers_pn3n3_c20220101__20221231_zBp6m1zw4qg6" style="padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Others"><span style="font-size: 8pt; line-height: 115%">(11,637)</span></td> <td style="padding: 2pt; text-align: 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%">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--GoodwillEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231_zr6Z4UC11xah" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">(492)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zTJc2sU67nP3" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><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_988_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_z696sHKPDv3l" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">7,855</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20220101__20221231_zN0UiOJgc9yj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt; line-height: 115%">7,420</span></td></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--Goodwill_iE_pn3n3_c20220101__20221231_z56u6C07P9y2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Goodwill, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>397,397</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z3GE7Arua2Kg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>78,047</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zGhn0SL40VYc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>104,117</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20220101__20221231_zRZEZfBQAto8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Intangible assets, Balance at ending"><span style="font-size: 8pt; line-height: 115%"><b>182,164</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 style="vertical-align: bottom"> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</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="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Goodwill</b></span></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: 8pt"><b>Intangible assets</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 42%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%; 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>Intangibles related to acquisitions</b></span></td> <td style="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>Other Intangibles</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center"><span style="font-size: 8pt"><b>Total Intangibles</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>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--Goodwill_iS_pn3n3_c20210101__20211231_zYQG7I03A0Rf" style="padding: 2pt; text-align: right" title="Goodwill, Balance at beginning"><span style="font-size: 8pt"><b>831</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zfUks2kcgrxf" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>7,862</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zYsoqlKCR1Ze" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>4,510</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iS_pn3n3_c20210101__20211231_z0J09gPRPZ0c" style="padding: 2pt; text-align: right" title="Intangible assets, Balance at beginning"><span style="font-size: 8pt"><b>12,372</b></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Additions</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--AdditionalRecognitionGoodwill_pn3n3_c20210101__20211231_zByj9oYHoqpa" style="padding: 2pt; text-align: right" title="Goodwill, Additions"><span style="font-size: 8pt">401,041</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zCLEETN0y6dd" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">56,993</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zAuRSFD7ePe8" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">71,393</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--IntangibleAssetsAdditions_pn3n3_c20210101__20211231_zh4t6IxxIgM4" style="padding: 2pt; text-align: right" title="Intangible assets, Additions"><span style="font-size: 8pt">128,386</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Disposals</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zM9yj0xvNdo8" style="padding: 2pt; text-align: right" title="Intangible assets, Disposals"><span style="font-size: 8pt">(49,141)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--DisposalsIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231_zEWJwMF0c5zf" style="padding: 2pt; text-align: right" title="Intangible assets, Disposals"><span style="font-size: 8pt">(49,141)</span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Amortization</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zSHHxvRcxX88" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(12,541)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zYw3OzWSm1ib" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(8,493)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--AmortisationIntangibleAssetsOtherThanGoodwill_iN_pn3n3_di_c20210101__20211231_zGo45CAoiFNf" style="padding: 2pt; text-align: right" title="Intangible assets, Amortization"><span style="font-size: 8pt">(21,034)</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_zOpxR0f6dVYg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">1,092</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zsesmlEQ688e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">662</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--IntangibleAssetsEffectOfChangesInExchangeRates_pn3n3_c20210101__20211231_zHT2YI0cy8d4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Effect of changes in exchange rates"><span style="font-size: 8pt">1,754</span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--Goodwill_iE_pn3n3_c20210101__20211231_zpSizZKPWPsd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Goodwill, Balance at ending"><span style="font-size: 8pt"><b>401,872</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--IntangiblesRelatedToAcquisitionsMember_z9htGu18pBh4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>53,406</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfIntangibleAssetsOtherThanGoodwillAxis__custom--OtherIntangiblesMember_zGu5r5tMpXFc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>18,931</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--IntangibleAssetsOtherThanGoodwill_iE_pn3n3_c20210101__20211231_zEAvJP8NcFw6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Intangible assets, Balance at ending"><span style="font-size: 8pt"><b>72,337</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2023 | nu |
Intangible Assets Additions
IntangibleAssetsAdditions
|
165160000 | usd |
| CY2023 | ifrs-full |
Disposals Intangible Assets Other Than Goodwill
DisposalsIntangibleAssetsOtherThanGoodwill
|
24832000 | usd |
| CY2023 | ifrs-full |
Amortisation Intangible Assets Other Than Goodwill
AmortisationIntangibleAssetsOtherThanGoodwill
|
38613000 | usd |
| CY2023 | nu |
Goodwill Effect Of Changes In Exchange Rates
GoodwillEffectOfChangesInExchangeRates
|
141000 | usd |
| CY2023 | nu |
Intangible Assets Effect Of Changes In Exchange Rates
IntangibleAssetsEffectOfChangesInExchangeRates
|
12002000 | usd |
| CY2023Q4 | ifrs-full |
Goodwill
Goodwill
|
397538000 | usd |
| CY2023Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
295881000 | usd |
| CY2021Q4 | ifrs-full |
Goodwill
Goodwill
|
401872000 | usd |
| CY2021Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
72337000 | usd |
| CY2022 | ifrs-full |
Additional Recognition Goodwill
AdditionalRecognitionGoodwill
|
7654000 | usd |
| CY2022 | nu |
Intangible Assets Additions
IntangibleAssetsAdditions
|
133231000 | usd |
| CY2022 | ifrs-full |
Disposals Intangible Assets Other Than Goodwill
DisposalsIntangibleAssetsOtherThanGoodwill
|
5694000 | usd |
| CY2022 | ifrs-full |
Amortisation Intangible Assets Other Than Goodwill
AmortisationIntangibleAssetsOtherThanGoodwill
|
25130000 | usd |
| CY2022 | nu |
Goodwill Others
GoodwillOthers
|
-11637000 | usd |
| CY2022 | nu |
Goodwill Effect Of Changes In Exchange Rates
GoodwillEffectOfChangesInExchangeRates
|
-492000 | usd |
| CY2022 | nu |
Intangible Assets Effect Of Changes In Exchange Rates
IntangibleAssetsEffectOfChangesInExchangeRates
|
7420000 | usd |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
397397000 | usd |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
182164000 | usd |
| CY2020Q4 | ifrs-full |
Goodwill
Goodwill
|
831000 | usd |
| CY2020Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
12372000 | usd |
| CY2021 | ifrs-full |
Additional Recognition Goodwill
AdditionalRecognitionGoodwill
|
401041000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Futures Assets
InterestRateContractsFuturesAssets
|
742171000 | usd |
| CY2023Q4 | nu |
Foreign Currency Exchange Rate Contracts Futures Assets
ForeignCurrencyExchangeRateContractsFuturesAssets
|
610054000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Swaps Assets
InterestRateContractsSwapsAssets
|
10968000 | usd |
| CY2023Q4 | nu |
Foreign Currency Exchange Rate Contracts Nondeliverable Forwards Assets
ForeignCurrencyExchangeRateContractsNondeliverableForwardsAssets
|
20000000 | usd |
| CY2023Q4 | nu |
Other Warrants Assets
OtherWarrantsAssets
|
10000 | usd |
| CY2023Q4 | nu |
Total Assets
TotalAssets
|
1383203000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Futures Liabilities
InterestRateContractsFuturesLiabilities
|
16365000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Swaps Liabilities
InterestRateContractsSwapsLiabilities
|
202600000 | usd |
| CY2023Q4 | nu |
Equity Total Return Swap Liabilities
EquityTotalReturnSwapLiabilities
|
88193000 | usd |
| CY2023Q4 | nu |
Foreign Currency Exchange Rate Contracts Nondeliverable Forwards Liabilities
ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilities
|
94478000 | usd |
| CY2023Q4 | nu |
Di Future Libilities
DiFutureLibilities
|
241995000 | usd |
| CY2023Q4 | nu |
Total Liabilities
TotalLiabilities
|
643631000 | usd |
| CY2023Q4 | nu |
Gross Total
GrossTotal
|
2026834000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Futures Assets
InterestRateContractsFuturesAssets
|
406131000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contracts Futures Assets
ForeignCurrencyExchangeRateContractsFuturesAssets
|
241093000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Swaps Assets
InterestRateContractsSwapsAssets
|
10056000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contracts Nondeliverable Forwards Assets
ForeignCurrencyExchangeRateContractsNondeliverableForwardsAssets
|
113682000 | usd |
| CY2022Q4 | nu |
Other Warrants Assets
OtherWarrantsAssets
|
100000000 | usd |
| CY2022Q4 | nu |
Total Assets
TotalAssets
|
870962000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Futures Liabilities
InterestRateContractsFuturesLiabilities
|
386428000 | usd |
| CY2022Q4 | nu |
Equity Total Return Swap Liabilities
EquityTotalReturnSwapLiabilities
|
89726000 | usd |
| CY2022Q4 | nu |
Di Future Libilities
DiFutureLibilities
|
1551521000 | usd |
| CY2022Q4 | nu |
Total Liabilities
TotalLiabilities
|
2027675000 | usd |
| CY2022Q4 | nu |
Gross Total
GrossTotal
|
2898637000 | usd |
| CY2023Q4 | nu |
Equity Total Returns Swap Assets
EquityTotalReturnsSwapAssets
|
17882000 | usd |
| CY2023Q4 | nu |
Other Interest Rate Contracts Future Assets
OtherInterestRateContractsFutureAssets
|
6000 | usd |
| CY2023Q4 | nu |
Foreign Currency Exchange Rate Contracts Future Assets
ForeignCurrencyExchangeRateContractsFutureAssets
|
3013000 | usd |
| CY2023Q4 | nu |
Di Future Assets
DiFutureAssets
|
60000 | usd |
| CY2023Q4 | nu |
Warrants Assets
WarrantsAssets
|
20000 | usd |
| CY2023Q4 | nu |
Total Maturity Assets
TotalMaturityAssets
|
20981000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Future Liabilities1
InterestRateContractsFutureLiabilities1
|
4000 | usd |
| CY2023Q4 | nu |
Interest Rate Contracts Swap Liabilities1
InterestRateContractsSwapLiabilities1
|
22294000 | usd |
| CY2023Q4 | nu |
Foreign Currency Exchange Rate Contracts Nondeliverable Forwards Liabilitie
ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilitie
|
5875000 | usd |
| CY2023Q4 | nu |
Total Liabilities1
TotalLiabilities1
|
28173000 | usd |
| CY2022Q4 | nu |
Equity Total Returns Swap Assets
EquityTotalReturnsSwapAssets
|
145000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Swap Assets
InterestRateContractsSwapAssets
|
50000 | usd |
| CY2022Q4 | nu |
Other Interest Rate Contracts Future Assets
OtherInterestRateContractsFutureAssets
|
27000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contracts Future Assets
ForeignCurrencyExchangeRateContractsFutureAssets
|
2126000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contract Nondeliverable Forwards Ndf
ForeignCurrencyExchangeRateContractNondeliverableForwardsNdf
|
11228000 | usd |
| CY2022Q4 | nu |
Warrants Assets
WarrantsAssets
|
27908000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Future Portfolio Hedge Assets
InterestRateContractsFuturePortfolioHedgeAssets
|
1000 | usd |
| CY2022Q4 | nu |
Total Maturity Assets
TotalMaturityAssets
|
41485000 | usd |
| CY2022Q4 | nu |
Equity Total Return Swap Liabilities1
EquityTotalReturnSwapLiabilities1
|
9017000 | usd |
| CY2022Q4 | nu |
Interest Rate Contracts Future Liabilities1
InterestRateContractsFutureLiabilities1
|
105000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contracts Future Liabilities
ForeignCurrencyExchangeRateContractsFutureLiabilities
|
233000 | usd |
| CY2022Q4 | nu |
Foreign Currency Exchange Rate Contracts Nondeliverable Forwards Liabilitie
ForeignCurrencyExchangeRateContractsNondeliverableForwardsLiabilitie
|
24000 | usd |
| CY2022Q4 | nu |
Di Future Notes Liabilities
DiFutureNotesLiabilities
|
46000 | usd |
| CY2022Q4 | nu |
Total Liabilities1
TotalLiabilities1
|
9425000 | usd |
| CY2023 | nu |
Schedule Of Forecast And Actual Payment Of Expenses
ScheduleOfForecastAndActualPaymentOfExpenses
|
<table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--ScheduleOfForecastAndActualPaymentOfExpenses_zvCxKUOKZyn1" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 3)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B7_zedhpdiBaMb3" style="display: none">Schedule of forecast and actual payment of expenses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_496_20230101__20231231_zztNaMNKodvb" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_zG3lbjjGRvVd" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_493_20210101__20211231_zXUrD2XvtOpc" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 61%; text-align: left"> </td> <td style="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>2023</b></span></td> <td style="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>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; 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>2021</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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ForecastAndActualPaymentOfExpenses_iS_pn3n3_zbrN6bDdFEZi" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(2,610)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,487</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>49</b></span></td></tr> <tr id="xdx_40F_ecustom--FairValueChangeRecognizedInOciDuringYear_pn3n3_z9BYQGMOIjgk" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value change recognized in OCI during the period</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(29,945)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(20,924)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,705</span></td></tr> <tr id="xdx_40B_ecustom--TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear_pn3n3_zmY5b4Z99gJ2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total amount reclassified from cash flow hedge reserve to the statement of profit or loss during the period</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>20,685</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>14,012</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(242)</b></span></td></tr> <tr id="xdx_40D_ecustom--CustomerSupportAndOperation_pn3n3_zzewBQvvjZki" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">to "Customer support and operation"</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">15,338</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,769</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(91)</span></td></tr> <tr id="xdx_40A_ecustom--GeneralAndAdministrativeExpense2_pn3n3_zZXfGOHIVOxa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">to "General and administrative expenses"</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,176</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,778</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(136)</span></td></tr> <tr id="xdx_40C_ecustom--EffectOfChangesInExchangeRatesOci_pn3n3_zWfaxoVmYh0k" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(829)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(535)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(15)</span></td></tr> <tr style="background-color: #E8E7FC"> <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; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_409_eifrs-full--DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_pn3n3_zx35WUy8WBbd" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred income taxes</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>3,616</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>2,815</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(1,025)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--ForecastAndActualPaymentOfExpenses_iE_pn3n3_zZhHJZLUGYMb" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</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>(8,254)</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>(2,610)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,487</b></span></td></tr> </table> | |
| 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 |
| CY2023 | nu |
Fair Value Change Recognized In Oci During Year
FairValueChangeRecognizedInOciDuringYear
|
-29945000 | 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 |
| CY2023 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Income Statement During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToIncomeStatementDuringYear
|
20685000 | 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 |
| CY2023 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
15338000 | usd |
| CY2022 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
6769000 | usd |
| CY2021 | nu |
Customer Support And Operation
CustomerSupportAndOperation
|
-91000 | usd |
| CY2023 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
6176000 | usd |
| CY2022 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
7778000 | usd |
| CY2021 | nu |
General And Administrative Expense2
GeneralAndAdministrativeExpense2
|
-136000 | usd |
| CY2023 | nu |
Effect Of Changes In Exchange Rates Oci
EffectOfChangesInExchangeRatesOci
|
-829000 | 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 |
| CY2023 | ifrs-full |
Deferred Tax Expense Income Relating To Tax Rate Changes Or Imposition Of New Taxes
DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes
|
3616000 | 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 |
| CY2023Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
-8254000 | usd |
| CY2022Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
-2610000 | usd |
| CY2021Q4 | nu |
Forecast And Actual Payment Of Expenses
ForecastAndActualPaymentOfExpenses
|
1487000 | usd |
| CY2023 | nu |
Schedule Of Material Future Transactions
ScheduleOfMaterialFutureTransactions
|
<table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfMaterialFutureTransactions_zpvPkpnTPd6f" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Derivative financial instruments (Details 4)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8B0_z7UZrwXCM1lk" style="display: none">Schedule of material future transactions</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_493_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z6yiIOZuuQ57" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49D_20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zXfTXlkbDAZg" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49C_20231231_zMx83Bc7Adea" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49A_20221231_zvyeJtZc6rif" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 47%; 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>Up to 3 months</b></span></td> <td style="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>3 to 12 months</b></span></td> <td style="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>Total</b></span></td> <td style="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>Total</b></span></td></tr> <tr id="xdx_40A_ecustom--ExpectedForeignCurrencyTransactions_iI_pn3n3_z6BivLlr6an7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Expected foreign currency transactions</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">67,564</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">119,892</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">187,456</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">129,459</span></td></tr> <tr id="xdx_404_ecustom--TotalExpectedForeignCurrencyTransactions_iI_pn3n3_zcKXh8ybQ2If" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>67,564</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>119,892</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>187,456</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>129,459</b></span></td></tr> </table> | |
| CY2023Q4 | nu |
Expected Foreign Currency Transactions
ExpectedForeignCurrencyTransactions
|
187456000 | usd |
| CY2022Q4 | nu |
Expected Foreign Currency Transactions
ExpectedForeignCurrencyTransactions
|
129459000 | usd |
| CY2023Q4 | nu |
Total Expected Foreign Currency Transactions
TotalExpectedForeignCurrencyTransactions
|
187456000 | usd |
| CY2022Q4 | nu |
Total Expected Foreign Currency Transactions
TotalExpectedForeignCurrencyTransactions
|
129459000 | usd |
| CY2023Q4 | ifrs-full |
Financial Instruments Designated As Hedging Instruments At Fair Value
FinancialInstrumentsDesignatedAsHedgingInstrumentsAtFairValue
|
170101000 | usd |
| CY2023Q4 | ifrs-full |
Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets
AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets
|
730000 | usd |
| CY2023Q4 | nu |
Derivative Hedge Instrument Fair Value Variation
DerivativeHedgeInstrumentFairValueVariation
|
-617000 | 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 |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities Held For Hedging
DerivativeFinancialLiabilitiesHeldForHedging
|
-4876000 | usd |
| CY2023 | nu |
Fair Value Change Recognized In Oci During Year1
FairValueChangeRecognizedInOciDuringYear1
|
59250000 | usd |
| CY2022 | nu |
Fair Value Change Recognized In Oci During Year1
FairValueChangeRecognizedInOciDuringYear1
|
-8871000 | usd |
| CY2023 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Statement Of Profit Or Loss During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToStatementOfProfitOrLossDuringYear
|
-33703000 | usd |
| CY2022 | nu |
Total Amount Reclassified From Cash Flow Hedge Reserve To Statement Of Profit Or Loss During Year
TotalAmountReclassifiedFromCashFlowHedgeReserveToStatementOfProfitOrLossDuringYear
|
3995000 | usd |
| CY2023 | nu |
To Customer Support And Operation
ToCustomerSupportAndOperation
|
-1372000 | usd |
| CY2023 | nu |
General And Administrative Expense3
GeneralAndAdministrativeExpense3
|
-31183000 | usd |
| CY2022 | nu |
General And Administrative Expense3
GeneralAndAdministrativeExpense3
|
3995000 | usd |
| CY2023 | nu |
To Marketing Expenses
ToMarketingExpenses
|
-1148000 | usd |
| CY2023Q4 | ifrs-full |
Derivative Financial Liabilities Held For Hedging
DerivativeFinancialLiabilitiesHeldForHedging
|
20671000 | usd |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities Held For Hedging
DerivativeFinancialLiabilitiesHeldForHedging
|
-4876000 | usd |
| CY2023Q4 | nu |
Expected Cash Disbursement For Income Tax Payments
ExpectedCashDisbursementForIncomeTaxPayments
|
110596000 | usd |
| CY2022Q4 | nu |
Expected Cash Disbursement For Income Tax Payments
ExpectedCashDisbursementForIncomeTaxPayments
|
59058000 | usd |
| CY2023Q4 | nu |
Total Expected Cash
TotalExpectedCash
|
110596000 | usd |
| CY2022Q4 | nu |
Total Expected Cash
TotalExpectedCash
|
59058000 | usd |
| CY2023 | nu |
Disclosure Of Instruments Eligible As Capital Explanatory
DisclosureOfInstrumentsEligibleAsCapitalExplanatory
|
<p id="xdx_805_ecustom--DisclosureOfInstrumentsEligibleAsCapitalExplanatory_zjaXfo5B3Vm9" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">20. <span id="xdx_824_zc3e0G8cSfph">Instruments eligible as capital</span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfFinancialLiabilityAtFairValueTableTextBlock_zezoXVfuV9S7" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Instruments eligible as capital (Details)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BD_z6H5wYduY5Xb" 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_496_20231231_zBjdDwm6qKi8" 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_zfxPscwf60ok" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; width: 68%; 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></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></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_zlVaEEHztqm2" 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%">3,988</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_402_ecustom--TotalFairValue_iI_pn3n3_zyNXWUYhSUE2" 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>3,988</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> </table> <p id="xdx_8AE_zLW2Whw9R7M8" 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"><span style="background-color: white">T</span>here were <span id="xdx_903_eifrs-full--FinancialLiabilitiesReclassifiedIntoEquity_pn3n3_do_c20230101__20231231_zI7SZKZkCPYb" title="Financial liability"><span id="xdx_90E_eifrs-full--FinancialLiabilitiesReclassifiedIntoEquity_pn3n3_do_c20220101__20221231_zSkz2gbeebb8" title="Financial liability">no</span></span> defaults or breaches of instruments eligible as capital or on any financial liability during the years ended December 31, 2023 and <span style="background-color: white">2022.</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In June 2019, <i>Nu Financeira</i> issued a subordinated financial note in the amount equivalent to US$<span id="xdx_909_ecustom--IssuanceOfPrincipalAmount_iI_pn3n3_c20190630_z68Ps2yL6l6k" title="Issuance amount">18,824</span> at the issuance date, which was approved as Tier 2 capital by the Central Bank of Brazil in September 2019, for the purposes of calculation of regulatory capital. The note bears a fixed interest rate of <span id="xdx_901_ecustom--FixedInterestRate_pip0_dp_c20230101__20231231_zGiM8D7TFvIl" 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 losses of fair value changes arising from its own credit risk in the amount of US$<span id="xdx_905_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20230101__20231231_zXwODPwicwU4" title="Changes in fair value">29</span> were recorded in other comprehensive income (gains <span style="background-color: white">of US$<span id="xdx_900_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20220101__20221231_zWTtSs1PMZrh" title="Changes in fair value gain (loss)">2,008</span> and losses of US$<span id="xdx_90B_ecustom--ChangesInFairValueOfCreditRisk_pn3n3_c20210101__20211231_zLnS67inwb0f" title="Changes in fair value gain (loss)">1,051</span> in the years ended December 31, 2022 and 2021). All other fair value changes and interests in the amount of US$<span id="xdx_90D_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20231231_ztnggznefhWl" title="Fair value changes and interests">2,762</span> (US$<span id="xdx_90F_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20221231_zVnMbxJUz3gd" title="Fair value changes and interests">7,310</span> and US$<span id="xdx_909_ecustom--FairValueChangesAndInterests2_iI_pn3n3_c20211231_z2uhLFWc4Kva" title="Fair value changes and interests">3,580</span> in the years ended December 31, 2022 and 2021) were recognized as profit (loss).</span></p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--DisclosureOfFairValueChangesAndInterestTableTextBlock_zAe9PMDmYDVf" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Instruments eligible as capital (Details 1)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B2_zXn4MEvPG6R4" style="display: none">Schedule of fair value changes and interest</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20230101__20231231_zBKqswVtDSbb" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49E_20220101__20221231_zc8ZReFY5cZ2" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_493_20210101__20211231_zFSFwM6pGwBc" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 56%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</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>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 13%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr id="xdx_40E_ecustom--InstrumentsEligibleAsCapitalInterest_iS_pn3n3_zjxRXZJAAZC4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>11,507</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>12,056</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>15,492</b></span></td></tr> <tr id="xdx_40D_ecustom--InterestAccruedOne_pn3n3_zitiSzoFugI2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest accrued, net of gain from repurchase</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(2,815)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(882)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">2,137</span></td></tr> <tr id="xdx_40A_ecustom--FairValueChanges_pn3n3_zJn81dUjy7fl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value changes</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">53</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,192</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(5,717)</span></td></tr> <tr id="xdx_405_ecustom--OwnCreditTransferredToOci1_pn3n3_zCve3SaoERM" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Own credit transferred to OCI</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">29</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(2,008)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">1,051</span></td></tr> <tr id="xdx_402_ecustom--Repurchase_pn3n3_znxRWL1Ub9Rd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Repurchase</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(6,126)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5263">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5264">-</span></span></td></tr> <tr id="xdx_403_ecustom--EffectOfChangesInExchangeRatesOci4_pn3n3_zfeExrUMcOy2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</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">1,340</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">(5,851)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(907)</span></td></tr> <tr id="xdx_40B_ecustom--InstrumentsEligibleAsCapitalInterest_iE_pn3n3_z2tceDODBYwd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</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>3,988</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>11,507</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>12,056</b></span></td></tr> </table> <p id="xdx_8AB_zqwoTCF8p9Jf" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
3988000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
11507000 | usd |
| CY2023Q4 | nu |
Total Fair Value
TotalFairValue
|
3988000 | usd |
| CY2022Q4 | nu |
Total Fair Value
TotalFairValue
|
11507000 | usd |
| CY2023 | ifrs-full |
Financial Liabilities Reclassified Into Equity
FinancialLiabilitiesReclassifiedIntoEquity
|
0 | usd |
| CY2022 | ifrs-full |
Financial Liabilities Reclassified Into Equity
FinancialLiabilitiesReclassifiedIntoEquity
|
0 | usd |
| CY2019Q2 | nu |
Issuance Of Principal Amount
IssuanceOfPrincipalAmount
|
18824000 | usd |
| CY2023 | nu |
Fixed Interest Rate
FixedInterestRate
|
0.128 | pure |
| CY2023 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
29000 | usd |
| CY2022 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
2008000 | usd |
| CY2021 | nu |
Changes In Fair Value Of Credit Risk
ChangesInFairValueOfCreditRisk
|
1051000 | usd |
| CY2023Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
2762000 | usd |
| CY2022Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
7310000 | usd |
| CY2021Q4 | nu |
Fair Value Changes And Interests2
FairValueChangesAndInterests2
|
3580000 | 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 |
| CY2023 | nu |
Interest Accrued One
InterestAccruedOne
|
-2815000 | usd |
| CY2022 | nu |
Interest Accrued One
InterestAccruedOne
|
-882000 | usd |
| CY2021 | nu |
Interest Accrued One
InterestAccruedOne
|
2137000 | usd |
| CY2023 | nu |
Fair Value Changes
FairValueChanges
|
53000 | usd |
| CY2022 | nu |
Fair Value Changes
FairValueChanges
|
8192000 | usd |
| CY2021 | nu |
Fair Value Changes
FairValueChanges
|
-5717000 | usd |
| CY2023 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
29000 | usd |
| CY2022 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
-2008000 | usd |
| CY2021 | nu |
Own Credit Transferred To Oci1
OwnCreditTransferredToOci1
|
1051000 | usd |
| CY2023 | nu |
Repurchase
Repurchase
|
-6126000 | usd |
| CY2023 | nu |
Effect Of Changes In Exchange Rates Oci4
EffectOfChangesInExchangeRatesOci4
|
1340000 | 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 |
| CY2023Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
3988000 | usd |
| CY2022Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
11507000 | usd |
| CY2021Q4 | nu |
Instruments Eligible As Capital Interest
InstrumentsEligibleAsCapitalInterest
|
12056000 | usd |
| CY2023 | nu |
Disclosure Financial Liabilities At Amortized Cost Deposits Explanatory
DisclosureFinancialLiabilitiesAtAmortizedCostDepositsExplanatory
|
<p id="xdx_805_ecustom--DisclosureFinancialLiabilitiesAtAmortizedCostDepositsExplanatory_zavDf8VJ8Xtj" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">21. <span id="xdx_82B_zGcGGDS3Quz">Financial liabilities at amortized cost – deposits</span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_eifrs-full--DisclosureOfDepositsFromCustomersExplanatory_zKLLVAQADE61" 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; text-align: left; line-height: 115%"><span id="xdx_8B5_zJH6aQfbkHh2" 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></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></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_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--RDBMember_zhk3Lb7O1Ck5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">21,054,443</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_zi6TVqADzzO1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">14,273,959</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_981_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zPoJ5CYHWL72" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_z8k9iJNEoxQk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">1,534,582</span></td></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 certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--CDBMember_ztfc3A8gxWqc" 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%">248,086</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--CDBMember_zRPlKUlvR8Fc" 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%"><span style="-sec-ix-hidden: xdx2ixbrl5288">-</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20231231_zopFaHyTaVf8" 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>23,691,130</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20221231_zMtEBhm3v9A8" 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></tr> </table> <p id="xdx_8AE_zxtgPdWY7cF3" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Currently, deposits in electronic money in Brazil include "Conta do Nubank" and also "Conta NuInvest" balances, the latter corresponding to on-demand deposits of the Groups’ investment brokerage clients. In Mexico, it includes "Cuenta Nu", as it is locally denominated.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">"Conta do Nubank" is a prepaid account in which the amounts deposited by customers are classified as electronic money and must be allocated to government securities (see note 12b) or in a specific account maintained at the Central Bank of Brazil (see note 15), in accordance with Brazilian regulatory requirements. "Conta NuInvest" balances also have to be allocated to government securities or maintained in free reserves at the Central Bank of Brazil. Therefore, these types of deposits cannot be used for any other type of investment or as a financing source for credit operations. Conversely, "Cuenta Nu" balances are not required to be invested in specific assets. Therefore, they can be used as a financing source for the credit card operations in Mexico.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The RDBs are an investment option inside "Conta do Nubank". Deposits in RDB have guarantees from the Brazilian Deposit Guarantee Fund (“FGC”). Unlike the deposits in electronic money, Nu is required to follow the compulsory deposits requirements for RDB deposits (see note 15), however it is not required to invest the remaining resources in government securities or in specific account maintained at the Central Bank of Brazil - these amounts can be used as a financing source for lending and credit card operations.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">There are also RDBs with a defined future maturity date, which had a maturity of up to <span id="xdx_90C_ecustom--RedemptionTerm_dtM_c20230101__20231231__dei--LegalEntityAxis__custom--CDIMember_zgYV1CnDXEr5" title="Redemption term">27</span> months and a weighted average interest rate of <span id="xdx_90B_ecustom--RemunerationRate_pip0_dp_c20230101__20231231__dei--LegalEntityAxis__custom--CDIMember_zOCvBP9B6qrj" title="Remuneration rate">106</span>% as of December 31, 2023 (<span id="xdx_905_ecustom--RemunerationRate_pip0_dp_c20220101__20221231__dei--LegalEntityAxis__custom--CDIMember_zMZsAlxdo5N1" title="Remuneration rate">104</span>% on December 31, 2022) of the Brazilian CDI rate.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The return from both "Conta do Nubank" and RDB deposits is <span id="xdx_90E_ecustom--ReturnInterestRate_iI_pip0_dp_c20231231__dei--LegalEntityAxis__custom--ContaDoNubankMember_zi1i8Cv2kvPd" title="Return interest rate">100</span>% of the Brazilian CDI rate as of the initial date, if the balances are kept for more than 30 days.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For "Cuenta Nu" in Mexico, as of December 31, 2023, when the balances are deposited in "Cajitas" the return is <span id="xdx_907_ecustom--ReturnInterestRate_iI_pip0_dp_c20231231__dei--LegalEntityAxis__custom--CuentaNuMember_zPFhzONsGR6f" title="Return interest rate">15</span>% per year. "Cajitas" has both daily yield accrual and daily liquidity.</p> <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_89B_ecustom--BreakdownByMaturityTableTextBlock_zYZyNfXMZZYb" 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="vertical-align: bottom"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B5_zYCaixFgeWAi" style="display: none">Schedule of 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 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="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 53%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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="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 receipt of deposits (RDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zvzWcknJL0X8" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">20,900,095</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zIIidX0rLaEc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">154,348</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--RDBMember_zhpsoWaDloh4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">21,054,443</span></td></tr> <tr 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%">Deposits in electronic money</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_z8XP3cMgemKh" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_z2owOky1oIK" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5314">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zkpjiN4gqlLe" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></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%">Bank certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--CDBMember_zC4DoKsjn5yh" 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%">213,707</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--CDBMember_zdOluQxuHmG3" 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%">34,379</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--CDBMember_zvAlRwU2sXPl" 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%">248,086</span></td></tr> <tr 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 id="xdx_98C_eifrs-full--DepositsFromCustomers_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember_zZFjHOLHsx9l" 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>23,502,403</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z0zbBd26JjK" 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>188,727</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231_zEGDCwcN23xk" 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>23,691,130</b></span></td></tr> </table> <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> <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="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="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; vertical-align: bottom; width: 53%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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="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 receipt of deposits (RDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zb8vlUtnT2De" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">14,160,805</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--RDBMember_zCM4DPh9ZbMg" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">113,154</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_zhr5b0pivyXl" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">14,273,959</span></td></tr> <tr 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%">Deposits in electronic money</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanSixMonthsAndNotLaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zaCxNyoQECG2" 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%">1,534,582</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_z8enlZ3VeMqj" 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%"><span style="-sec-ix-hidden: xdx2ixbrl5338">-</span></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_zFdqrWHDnpnb" 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%">1,534,582</span></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%"><b>Total</b></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--LaterThanSixMonthsAndNotLaterThanOneYearMember_zqAluAeVxvo7" 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_986_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zH8p7m4A7zqg" 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_zOJHOWa9hHA1" 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 id="xdx_8A9_zLcHaXwCvzS8" style="font: bold 8pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023 | ifrs-full |
Disclosure Of Deposits From Customers Explanatory
DisclosureOfDepositsFromCustomersExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_899_eifrs-full--DisclosureOfDepositsFromCustomersExplanatory_zKLLVAQADE61" 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; text-align: left; line-height: 115%"><span id="xdx_8B5_zJH6aQfbkHh2" 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></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></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_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--RDBMember_zhk3Lb7O1Ck5" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">21,054,443</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--RDBMember_zi6TVqADzzO1" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">14,273,959</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_981_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_zPoJ5CYHWL72" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--DepositsInElectronicMoneyMember_z8k9iJNEoxQk" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits by customers"><span style="font-size: 8pt; line-height: 115%">1,534,582</span></td></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 certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__dei--LegalEntityAxis__custom--CDBMember_ztfc3A8gxWqc" 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%">248,086</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__dei--LegalEntityAxis__custom--CDBMember_zRPlKUlvR8Fc" 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%"><span style="-sec-ix-hidden: xdx2ixbrl5288">-</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%"><b>Total</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20231231_zopFaHyTaVf8" 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>23,691,130</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--CurrentDepositsFromCustomers_iI_pn3n3_c20221231_zMtEBhm3v9A8" 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></tr> </table> | |
| CY2023Q4 | ifrs-full |
Current Deposits From Customers
CurrentDepositsFromCustomers
|
23691130000 | usd |
| CY2022Q4 | ifrs-full |
Current Deposits From Customers
CurrentDepositsFromCustomers
|
15808541000 | usd |
| CY2023Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
23691130000 | usd |
| CY2022Q4 | ifrs-full |
Deposits From Customers
DepositsFromCustomers
|
15808541000 | usd |
| CY2023 | nu |
Disclosure Of Financial Liabilities Payable To Credit Card Explanatory
DisclosureOfFinancialLiabilitiesPayableToCreditCardExplanatory
|
<p id="xdx_80E_ecustom--DisclosureOfFinancialLiabilitiesPayableToCreditCardExplanatory_z8iIJx8nhtEg" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">22. <span id="xdx_823_znl2QisWsnqi">Financial liabilities at amortized cost – payables to network</span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfCreditCardPaymentTableTextBlock_zkIv0JLrzgHd" 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 style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B7_zdfKnHLp55Fg" style="display: none">Schedule of credit card payment</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20230101__20231231_zqGTmFqH93ea" 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_20220101__20221231_zQvLqT1PZxrb" 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; 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="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_404_ecustom--OtherPayablesToCreditCardNetwork_pn3n3_zo2WuchmYdVa" 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 (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%">9,755,285</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </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></tr> <tr id="xdx_40B_ecustom--TotalOfCreditCardPayment_pn3n3_zwoqgIoQpL37" 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>9,755,285</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <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></tr> </table> <p style="font: 12pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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 style="text-align: justify; padding-left: 10pt; text-indent: -0.01pt; width: 3%"><span style="font-size: 12pt; line-height: 115%">(i)</span></td> <td 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. Brazilian credit card payables are settled according to the transaction installments, substantially in up to 27 days for transactions with no installments, 1 business day for international transactions; and sales in installments ("<i>parcelado"</i>) have monthly settlements, mostly, over a period of up to 12 months. For Mexican and Colombian credit card transactions, the amounts are settled in 1 business day. The segregation of the settlement is shown in the table below:</td></tr> </table> <p id="xdx_8A8_zCK8eKa5MeEk" style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfOtherPayableTableTexBlock_zuUo9IOaBPi9" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B4_zBYTVAz1qRTd" style="display: none">Schedule of payables to credit card network</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: 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; 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 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_98E_eifrs-full--OtherPayables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zb9jVuchELp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">5,347,665</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zucXsH9Qhcre" 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></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_984_eifrs-full--OtherPayables_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zALlUF7VqTx3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">2,361,563</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--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zLRyT0E3xtD5" 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></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_985_eifrs-full--OtherPayables_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_zKPx1umFU9f1" 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%">2,046,057</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_ztZfPtRJIO1j" 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></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_c20231231_zuDv1fZCuvn6" 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>9,755,285</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--OtherPayables_iI_pn3n3_c20221231_zcueLKeH3QDf" 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></tr> </table> <p id="xdx_8A4_ztym4YWFkB2a" style="margin-top: 0; margin-bottom: 0"> </p> <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, 2023, the Group had US$<span id="xdx_902_eifrs-full--FinancialLiabilitiesAtFairValue_iI_pn3n3_c20231231_zY8hh9COKk44" title="Fair value">320</span> (US$<span id="xdx_901_eifrs-full--FinancialLiabilitiesAtFairValue_iI_pn3n3_c20221231_zSjPj28JiRHk" title="Fair value">305</span> on December 31, 2022) of security deposits granted in favor of Mastercard. These security deposits 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 security deposits with similar characteristics. The average remuneration rate of those security deposits was <span id="xdx_906_ecustom--AverageRemunerationRate_pip0_dp_c20230101__20231231_za0QXBpmlQZd" title="Average remuneration rate">0.40</span>% per month in the year ended December 31, 2023 (<span id="xdx_90F_ecustom--AverageRemunerationRate_pip0_dp_c20220101__20221231_zRWBvw5Pky6i" title="Average remuneration rate">0.31</span>% per month in the year ended December 31, 2022).</p> | |
| CY2023 | nu |
Other Payables To Credit Card Network
OtherPayablesToCreditCardNetwork
|
9755285000 | usd |
| CY2022 | nu |
Other Payables To Credit Card Network
OtherPayablesToCreditCardNetwork
|
7054783000 | usd |
| CY2023 | nu |
Total Of Credit Card Payment
TotalOfCreditCardPayment
|
9755285000 | usd |
| CY2022 | nu |
Total Of Credit Card Payment
TotalOfCreditCardPayment
|
7054783000 | usd |
| CY2023 | nu |
Schedule Of Other Payable Table Tex Block
ScheduleOfOtherPayableTableTexBlock
|
<table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfOtherPayableTableTexBlock_zuUo9IOaBPi9" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B4_zBYTVAz1qRTd" style="display: none">Schedule of payables to credit card network</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: 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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%; background-color: white; 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 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_98E_eifrs-full--OtherPayables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zb9jVuchELp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">5,347,665</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zucXsH9Qhcre" 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></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_984_eifrs-full--OtherPayables_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zALlUF7VqTx3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payable to credit card"><span style="font-size: 8pt; line-height: 115%">2,361,563</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--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zLRyT0E3xtD5" 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></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_985_eifrs-full--OtherPayables_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_zKPx1umFU9f1" 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%">2,046,057</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--OtherPayables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--LaterThanThreeMonthMember_ztZfPtRJIO1j" 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></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_c20231231_zuDv1fZCuvn6" 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>9,755,285</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--OtherPayables_iI_pn3n3_c20221231_zcueLKeH3QDf" 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></tr> </table> | |
| CY2023Q4 | ifrs-full |
Other Payables
OtherPayables
|
9755285000 | usd |
| CY2022Q4 | ifrs-full |
Other Payables
OtherPayables
|
7054783000 | usd |
| CY2023Q4 | ifrs-full |
Financial Liabilities At Fair Value
FinancialLiabilitiesAtFairValue
|
320000 | usd |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value
FinancialLiabilitiesAtFairValue
|
305000 | usd |
| CY2023 | nu |
Average Remuneration Rate
AverageRemunerationRate
|
0.0040 | pure |
| CY2022 | nu |
Average Remuneration Rate
AverageRemunerationRate
|
0.0031 | pure |
| CY2023 | nu |
Financial Liabilities At Amortized Cost Borrowing Financing And Securitized Borrowings
FinancialLiabilitiesAtAmortizedCostBorrowingFinancingAndSecuritizedBorrowings
|
<p id="xdx_807_ecustom--FinancialLiabilitiesAtAmortizedCostBorrowingFinancingAndSecuritizedBorrowings_zTZ1OtJtfIIb" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">23. <span id="xdx_821_z5QqiCYYNzZh">Financial liabilities at amortized cost – borrowings and financing</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--ScheduleOfFinancialLiabilitiesAtAmortizedCostTableTextBlock_z34NyHCNM4oj" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowings and financing (Details)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B8_z4tm34SEc0Q9" style="display: none">Schedule of financial liabilities at amortized cost</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_492_20231231_z9Z3sw8cYjG5" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_490_20221231_zYSkaPG38Bk9" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 59%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 8%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</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: 16%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2022</b></span></td></tr> <tr id="xdx_405_ecustom--BorrowingsAndFinancing_iI_pn3n3_zoGzOYeBle5" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Borrowings and financing</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">1,136,344</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">585,568</span></td></tr> <tr id="xdx_40F_ecustom--FinancialLiabilitiesAtAmortizedCostTotal_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Total</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,136,344</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>585,568</b></span></td></tr> </table> <p id="xdx_8AF_zhGVxsxm9pL3" style="margin-top: 0; margin-bottom: 0"> </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> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--ScheduleOfBorrowingsAndFinancingsMaturitiesTableTextBlock_z2MRiI5cSJQh" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowings and financing (Details 1)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8B5_zdCbkYh6tMMg" style="display: none">Schedule of borrowings and financings 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; vertical-align: bottom; 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; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 7%; 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>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: 13%; 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; vertical-align: bottom; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%"> <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: 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>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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 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 (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--LoansAndReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpKQ_____zwqyvUYbwmZ" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">3,832</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LoansAndReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpKQ_____zvyZMGelCITf" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">94,943</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LoansAndReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpKQ_____zi2AwL0r5VHh" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5400">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LoansAndReceivables_iI_pn3n3_c20231231_fKGlpKQ_____zPlHN9eRHNde" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">98,775</span></td></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 (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpaSk___zCF5ojVS0BW6" style="padding: 2pt; text-align: right; line-height: 115%" title="Syndicated loan"><span style="font-size: 8pt; line-height: 115%">14,820</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpaSk___zP7WGzfFGME" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5406">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpaSk___zXdHv0V7fc5c" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">806,681</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20231231_fKGlpaSk___zUMlTVfPNk22" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><span style="font-size: 8pt; line-height: 115%">821,501</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%">Financial letter (iii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--CurrentFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpaSk___zv8arAihPAk8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5412">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--CurrentFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpaSk___z76cKSBJLJc5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5414">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--CurrentFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpaSk___zgiyGbAhR2ki" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%">216,068</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--CurrentFinancialLiabilities_iI_pn3n3_c20231231_fKGlpaSk___zO4IccuCL2Q6" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Financial letter"><span style="font-size: 8pt; line-height: 115%">216,068</span></td></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 borrowings and financings</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--TotalBorrowingsAndFinancings_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_z4vsxNnyVgp3" 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>18,652</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--TotalBorrowingsAndFinancings_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zxdAcnUiItil" 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>94,943</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TotalBorrowingsAndFinancings_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zcBlofo3sn4h" 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>1,022,749</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20231231_zHigvISrwcNb" 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>1,136,344</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; background-color: white; 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: 7%; 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>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: 13%; 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: 15%"> <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: 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>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 (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpKQ_____z7zaCLabkfoi" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><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_985_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpKQ_____zQsId33Oa2pe" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><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_98C_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpKQ_____zRaogNLFiC8l" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><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_981_eifrs-full--LoansAndReceivables_iI_pn3n3_c20221231_fKGlpKQ_____zfYFyKqboeAh" style="padding: 2pt; text-align: right; line-height: 115%" title="Term loan credit facility"><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 (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_fKGlpKQ_____zVqxbq0bePJj" 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_98F_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_fKGlpKQ_____zAxVyqsr3Iq1" 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%">2,494</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_fKGlpKQ_____zwB9NO0C8R3i" 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%">464,777</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_eifrs-full--LoansAndAdvancesToBanks_iI_pn3n3_c20221231_fKGlpKQ_____zFDqzJe6pbGa" 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%">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_984_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanThreeMonthsMember_zIuJ0sNTafhb" 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_989_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zzecudK7Xsri" 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_983_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zQULpOPni2pe" 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_983_ecustom--TotalBorrowingsAndFinancings_iI_pn3n3_c20221231_zOkHUf1encCg" 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 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; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Corresponds to two term loan credit facilities obtained by Nu Servicios, and reassigned to Nu Financiera, both Mexican subsidiaries in Mexican pesos.</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; width: 3%">(ii)</td> <td style="text-align: justify; width: 97%">Corresponds to two syndicated credit facilities. The first, in which Nu’s subsidiaries in Mexico and Colombia are the borrowers and the Company is acting as guarantor, the total amount of the credit facility is US$650,000, of which US$625,000 is allocated to Nu Mexico and US$25,000 to Nu Colombia. Out of this facility, Nu Mexico has withdrawn a partial amount of US$435,000 and Nu Colombia, the entire US$25,000. The second, in which Nu Colombia has been granted a 3-year facility from IFC (International Finance Corporation), the total amount corresponds to US$265,100 from IFC, also guaranteed by the Company, and was fully withdrawn.</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; width: 3%">(iii)</td> <td style="text-align: justify; width: 97%">Until December 2023, the Group issued financial letters in Brazilian reais in the amount equivalent to US$198,691 on the issuance dates.</td></tr> </table> <p id="xdx_8A1_zEBeLGkZB2Jd" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The terms and conditions of the loans outstanding as of December 31, 2023, are as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_897_ecustom--ScheduleOfChangesInBorrowingsAndOutstandingTableTextBlock_zf0iGpRVAcTi" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowings and financing (Details 2)"> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"><span id="xdx_8BF_zUtpBJ3ebID8" style="display: none"> Schedule of terms and conditions of the loans outstanding</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td colspan="9" 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>2023</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 32%; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><i>Borrowings and financing</i></b></span></td> <td style="padding: 2pt; width: 5%; 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>Country</b></span></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>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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Interest 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: 9%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Principal amount in US$</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%">Term loan credit facility</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_eifrs-full--CountryOfIncorporation_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--TermLoanCreditFacilityMember_z9uuoLxJQRTl" title="Country">Mexico</span></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_90B_eifrs-full--BorrowingsOriginalCurrency_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--TermLoanCreditFacilityMember_z07YjMxWaIfb" title="Currency">MXN</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding-top: 2pt; padding-bottom: 2pt; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span id="xdx_906_eifrs-full--BorrowingsInterestRateBasis_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--TermLoanCreditFacilityMember_zjjmEgC0iMci" title="Interest rate">TIIE (2) 182 + 1.0% up to 1.45%</span></span></td> <td style="padding: 2pt; text-align: center; 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_906_eifrs-full--BorrowingsMaturity_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--TermLoanCreditFacilityMember_z3kXTSU5IDWl" title="Maturity">November 2024</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--BorrowingsByNameAxis__custom--TermLoanCreditFacilityMember_z8Va7al5UrF7" style="padding: 2pt; text-align: right; line-height: 115%" title="Principal amount"><span style="font-size: 8pt; line-height: 115%">80,000</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%">Syndicated loan</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_90D_eifrs-full--CountryOfIncorporation_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoanMember_ztz7UvBBccle" title="Country">Mexico</span></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_eifrs-full--BorrowingsOriginalCurrency_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoanMember_zcGPrhpgzLI3" title="Currency">MXN</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_90A_eifrs-full--BorrowingsInterestRateBasis_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoanMember_zCAd08Fi3Qj4" title="Interest rate">TIIE (2) 91 + 1.00%</span></span></td> <td style="padding: 2pt; text-align: center; 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_906_eifrs-full--BorrowingsMaturity_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoanMember_zVIUAWnG5v5f" title="Maturity">April 2025</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoanMember_zNaUDurgWt09" style="padding: 2pt; text-align: right; line-height: 115%" title="Principal amount"><span style="font-size: 8pt; line-height: 115%">435,000</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%">Syndicated loan</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_904_eifrs-full--CountryOfIncorporation_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan1Member_zxe7uAB0YZgl" title="Country">Colombia</span></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_eifrs-full--BorrowingsOriginalCurrency_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan1Member_zNOEvgadoSB2" title="Currency">COP</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_eifrs-full--BorrowingsInterestRateBasis_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan1Member_zXR7A2ODaqw" title="Interest rate">IBR (1) + 1.6% up to 1.9%</span></span></td> <td style="padding: 2pt; text-align: center; 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_906_eifrs-full--BorrowingsMaturity_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan1Member_zcOaSIzenW3k" title="Maturity">April 2025</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan1Member_zZ4jB39JF4Xi" style="padding: 2pt; text-align: right; line-height: 115%" title="Principal amount"><span style="font-size: 8pt; line-height: 115%">87,500</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%">Syndicated loan</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_909_eifrs-full--CountryOfIncorporation_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan2Member_zjruq1uOmor6" title="Country">Colombia</span></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_907_eifrs-full--BorrowingsOriginalCurrency_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan2Member_z8uKPbj8wzKc" title="Currency">USD</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_eifrs-full--BorrowingsInterestRateBasis_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan2Member_zvhTR1urycX4" title="Interest rate">SOFR (4) + 4.1%</span></span></td> <td style="padding: 2pt; text-align: center; 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_eifrs-full--BorrowingsMaturity_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan2Member_zbsgO0txBznh" title="Maturity">January 2026</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--BorrowingsByNameAxis__custom--SyndicatedLoan2Member_zM516wddUAaj" style="padding: 2pt; text-align: right; line-height: 115%" title="Principal amount"><span style="font-size: 8pt; line-height: 115%">202,600</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Financial letter</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_eifrs-full--CountryOfIncorporation_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--FinancialLetterMember_zDlBFMP5Quie" title="Country">Brazil</span></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_90A_eifrs-full--BorrowingsOriginalCurrency_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--FinancialLetterMember_zpLV2aQakc55" title="Currency">BRL</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_eifrs-full--BorrowingsInterestRateBasis_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--FinancialLetterMember_zYwqlGgI9bzj" title="Interest rate">CDI (3) + 1.2% up to 1.8%</span></span></td> <td style="padding: 2pt; text-align: center; 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_eifrs-full--BorrowingsMaturity_c20230101__20231231__ifrs-full--BorrowingsByNameAxis__custom--FinancialLetterMember_zfoAfUg5HsCf" title="Maturity">From June 2025 up to November 2025</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--BorrowingsByNameAxis__custom--FinancialLetterMember_zNtB69E8uBMl" style="padding: 2pt; text-align: right; line-height: 115%" title="Principal amount"><span style="font-size: 8pt; line-height: 115%">198,691</span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 3pt 0pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><span style="font-size: 8pt">(1)</span></td><td style="text-align: justify"><span style="font-size: 8pt">IBR: Colombian Bank Reference Indicator (<i>Indicador Bancario de Referencia</i>).</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><span style="font-size: 8pt">(2)</span></td><td style="text-align: justify"><span style="font-size: 8pt">TIIE: Mexican Bank Reference Indicator (<i>Tasas de Interés Interbancarias</i>).</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><span style="font-size: 8pt">(3)</span></td><td style="text-align: justify"><span style="font-size: 8pt">CDI: Brazilian Bank Reference Indicator (<i>Certificado de Depósito Interbancário</i>).</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><span style="font-size: 8pt">(4)</span></td><td style="text-align: justify"><span style="font-size: 8pt">SOFR: Secured Overnight Financing Rate.</span></td></tr></table> <p id="xdx_8A1_ztRpZbdzqyIb" style="margin-top: 0; margin-bottom: 0"> </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> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--ScheduleOfChangesInBorrowingsAndFinancingsTableTextBlock_z0hFWO14jdP" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowings and financing (Details 3)"> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B8_zlolwxcxNHC7" style="display: none">Schedule of changes to borrowings and financings</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20230101__20231231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zwzqwq3f1xj2" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20230101__20231231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--SyndicatedLoanMember_zbpShtvt2YJe" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49C_20230101__20231231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--FinancialLetterMember_zJEDWm5tv4sk" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20230101__20231231_zgZg01lJoTda" style="padding: 2pt; vertical-align: bottom; 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="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>2023</b></span></td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 41%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; width: 6%; 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>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: 12%; 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: 14%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Financial Letter</b></span></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 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></tr> <tr id="xdx_401_eifrs-full--ShorttermBorrowings_iS_pn3n3_zgqWZyinnqt" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>118,194</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>467,374</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b><span style="-sec-ix-hidden: xdx2ixbrl5508">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>585,568</b></span></td></tr> <tr id="xdx_401_ecustom--NetBorrowings_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">New borrowings</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">270,810</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">198,691</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">469,501</span></td></tr> <tr id="xdx_402_ecustom--BorrowingsPaymentsPrincipal_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – principal</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(35,702)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(10,799)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5518">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(46,501)</span></td></tr> <tr id="xdx_40A_ecustom--BorrowingsPaymentsOfInterest_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Payments – interest</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(13,341)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(68,273)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5523">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">(81,614)</span></td></tr> <tr id="xdx_403_ecustom--InterestAccrued1_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Interest accrued</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">13,615</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">75,527</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">11,408</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">100,550</span></td></tr> <tr id="xdx_403_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">16,009</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">86,862</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5,969</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">108,840</span></td></tr> <tr id="xdx_40B_eifrs-full--ShorttermBorrowings_iE_pn3n3_z9hJmbPQ9puf" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>98,775</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>821,501</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>216,068</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>1,136,344</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="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_49F_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BillOfExchangeMember_zjE0GRgdYAja" 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_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zmAhSwSgIa1h" 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_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BankBorrowingsMember_z6bsEqZpVHAg" 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_20220101__20221231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--SyndicatedLoanMember_z13TlWvDvgr7" 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_z0ed6tkyJly6" 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>2022</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 33%; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; width: 5%; 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>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: 11%; 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: 12%; 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: 12%; 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: 12%; 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; 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 id="xdx_40C_eifrs-full--ShorttermBorrowings_iS_pn3n3_zwxEGfVEdc3e" 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>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: xdx2ixbrl5543">-</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: xdx2ixbrl5544">-</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_40A_ecustom--AdditionDueToBusinessCombination_pn3n3_zKbTeZFhFl06" 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%">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: xdx2ixbrl5547">-</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: xdx2ixbrl5548">-</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: xdx2ixbrl5550">-</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_40E_ecustom--NetBorrowings_pn3n3_zA6rjShFImAh" 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%">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: xdx2ixbrl5553">-</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: xdx2ixbrl5555">-</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_40B_ecustom--BorrowingsPaymentsPrincipal_pn3n3_zaLbD6Jd4FOj" 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%">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: xdx2ixbrl5562">-</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_40E_ecustom--BorrowingsPaymentsOfInterest_pn3n3_zTV82PEqbZpc" 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%">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_404_ecustom--InterestAccrued1_pn3n3_zduAZdj9hSXd" 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%">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_404_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_pn3n3_z4kcNR4N1Lf3" 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%">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_408_eifrs-full--ShorttermBorrowings_iE_pn3n3_zLhrAInATwD2" 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>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: xdx2ixbrl5583">-</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: xdx2ixbrl5585">-</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; 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; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_49A_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--FinancialLetterMember_z3zItnEXYtO7" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_49E_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--BillOfExchangeMember_z7xWbjn8S466" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_493_20210101__20211231__ifrs-full--LiabilitiesArisingFromFinancingActivitiesAxis__custom--TermLoanCreditFacilityMember_zWP76C7ngrSf" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_493_20210101__20211231_zXVjVdwHVG34" style="padding: 2pt; vertical-align: bottom; text-align: center"> </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="7" 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: 42%; 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%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Financial</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>letter</b></p></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>Bills of</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Term loan credit facility</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>Total</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 id="xdx_40E_eifrs-full--ShorttermBorrowings_iS_pn3n3_zhN8FWob29cj" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>60,126</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>17,684</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>19,644</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>97,454</b></span></td></tr> <tr id="xdx_40A_ecustom--NetBorrowings_pn3n3_zm4PXXUYlJy1" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">New borrowings</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5594">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5595">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">116,349</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">116,349</span></td></tr> <tr id="xdx_401_ecustom--BorrowingsPaymentsPrincipal_pn3n3_z2VrU8uSO6N4" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Payments – principal</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(54,151)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(6,372)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5601">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(60,523)</span></td></tr> <tr id="xdx_407_ecustom--BorrowingsPaymentsOfInterest_pn3n3_zMqDNAzHPWs6" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Payments – interest</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(4,548)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(600)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(1,908)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(7,056)</span></td></tr> <tr id="xdx_401_ecustom--InterestAccrued1_pn3n3_z50d8LLsaa39" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Interest accrued</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">776</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">683</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">4,766</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">6,225</span></td></tr> <tr id="xdx_409_ecustom--EffectOfChangesInExchangeRatesOfBorrowings_pn3n3_zpMG6sF0M1A9" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(2,203)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(995)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(2,008)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(5,206)</span></td></tr> <tr id="xdx_40B_eifrs-full--ShorttermBorrowings_iE_pn3n3_z5kq3aqQuAok" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5619">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>10,400</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>136,843</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>147,243</b></span></td></tr> </table> <p id="xdx_8AC_zWV0FoOli3i6" style="margin-top: 0; margin-bottom: 0"> </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 credit facilities and syndicated loans above-mentioned have associated restrictive clauses (covenants) which establish the maintenance of minimum financial indicators resulting from 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 non-compliance with financial covenants is considered as an event of default and may lead to debt acceleration. There are also cross-default clauses triggered in the event Nu Holdings and/or some subsidiaries fail to pay any material indebtedness. The covenants are monitored on a regular basis.</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 syndicated loans from Colombia and Mexico. Nu Pagamentos is also a guarantor to one term loan credit facility from Mexico.</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_895_ecustom--ChangesToSecuritizedBorrowingsAreAsFollowsTableTextBlock_zPWgYckNWME8" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Financial liabilities at amortized cost - borrowings and financing (Details 4)"> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B9_zQ8ii2NqIdAa" style="display: none">Schedule of changes to securitized borrowings</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49C_20230101__20231231_zh9BRKQJX5Wc" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_zK2tZnZleHmk" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49A_20210101__20211231_zqpZxuIRYd7k" style="padding: 2pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 47%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; 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: 18%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr id="xdx_405_ecustom--BalanceAtBeginningOfYear_iS_pn3n3" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Balance at beginning of the year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5626">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>10,011</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>79,742</b></span></td></tr> <tr id="xdx_40B_ecustom--BorrowingsInterestAccrued_pn3n3_ztEBf7MQ0gpd" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest accrued</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5630">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">84</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,904</span></td></tr> <tr id="xdx_406_ecustom--PaymentsPrincipal_pn3n3_zLLFqD7s4PM5" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Payments – principal</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5634">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(10,633)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(66,403)</span></td></tr> <tr id="xdx_401_ecustom--PaymentsInterest_pn3n3_zzYjAYeZfvG1" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Payments – interest</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5638">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(134)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(1,976)</span></td></tr> <tr id="xdx_40A_ecustom--BorrowingsEffectOfChangesInExchangeRatesOci_pn3n3_zH7y2HdFv9Cb" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Effect of changes in exchange rates (OCI)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5642">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">672</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(3,256)</span></td></tr> <tr id="xdx_407_ecustom--BalanceAtEndOfYear_iE_pn3n3" style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Balance at end of the year</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5646">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5647">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>10,011</b></span></td></tr> </table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023Q4 | nu |
Borrowings And Financing
BorrowingsAndFinancing
|
1136344000 | usd |
| CY2022Q4 | nu |
Borrowings And Financing
BorrowingsAndFinancing
|
585568000 | usd |
| CY2023Q4 | nu |
Financial Liabilities At Amortized Cost Total
FinancialLiabilitiesAtAmortizedCostTotal
|
1136344000 | usd |
| CY2022Q4 | nu |
Financial Liabilities At Amortized Cost Total
FinancialLiabilitiesAtAmortizedCostTotal
|
585568000 | usd |
| CY2023Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
98775000 | usd |
| CY2023Q4 | ifrs-full |
Loans And Advances To Banks
LoansAndAdvancesToBanks
|
821501000 | usd |
| CY2023Q4 | ifrs-full |
Current Financial Liabilities
CurrentFinancialLiabilities
|
216068000 | usd |
| CY2023Q4 | nu |
Total Borrowings And Financings
TotalBorrowingsAndFinancings
|
1136344000 | usd |
| CY2022Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
118194000 | usd |
| CY2022Q4 | ifrs-full |
Loans And Advances To Banks
LoansAndAdvancesToBanks
|
467374000 | usd |
| CY2022Q4 | nu |
Total Borrowings And Financings
TotalBorrowingsAndFinancings
|
585568000 | usd |
| CY2022Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
585568000 | usd |
| CY2023 | nu |
Net Borrowings
NetBorrowings
|
469501000 | usd |
| CY2023 | nu |
Borrowings Payments Principal
BorrowingsPaymentsPrincipal
|
-46501000 | usd |
| CY2023 | nu |
Borrowings Payments Of Interest
BorrowingsPaymentsOfInterest
|
-81614000 | usd |
| CY2023 | nu |
Interest Accrued1
InterestAccrued1
|
100550000 | usd |
| CY2023 | nu |
Effect Of Changes In Exchange Rates Of Borrowings
EffectOfChangesInExchangeRatesOfBorrowings
|
108840000 | usd |
| CY2023Q4 | ifrs-full |
Shortterm Borrowings
ShorttermBorrowings
|
1136344000 | usd |
| 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 |
| CY2021Q4 | nu |
Balance At Beginning Of Year
BalanceAtBeginningOfYear
|
10011000 | usd |
| CY2020Q4 | nu |
Balance At Beginning Of Year
BalanceAtBeginningOfYear
|
79742000 | usd |
| CY2022 | nu |
Borrowings Interest Accrued
BorrowingsInterestAccrued
|
84000 | usd |
| CY2021 | nu |
Borrowings Interest Accrued
BorrowingsInterestAccrued
|
1904000 | usd |
| CY2022 | nu |
Payments Principal
PaymentsPrincipal
|
-10633000 | usd |
| CY2021 | nu |
Payments Principal
PaymentsPrincipal
|
-66403000 | usd |
| CY2022 | nu |
Payments Interest
PaymentsInterest
|
-134000 | usd |
| CY2021 | nu |
Payments Interest
PaymentsInterest
|
-1976000 | 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 |
| CY2021Q4 | nu |
Balance At End Of Year
BalanceAtEndOfYear
|
10011000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Other Provisions Contingent Liabilities And Contingent Assets Explanatory
DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory
|
<p id="xdx_806_eifrs-full--DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory_zr1Q4RuvNozf" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">24. <span id="xdx_82E_zm6W3M4nqbJk">Provision for lawsuits and administrative proceedings</span></p> <table cellpadding="0" cellspacing="0" id="xdx_892_eifrs-full--DisclosureOfOtherProvisionsExplanatory_zJuBXFGn1TK2" 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"><span id="xdx_8BF_ziT5XqeNJjp6" style="display: none">Schedule of provision for judicial and administrative proceedings</span></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> <td style="padding: 2pt; width: 66%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Tax risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zOXrBPrgfNbj" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5654">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zPWOtuVmXcHk" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">15,747</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Civil risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zp8P9ShBbvC7" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">7,532</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z2vgwcuVoBdl" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">2,096</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Labor risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zyB9mHySCPjh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">550</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zjp9kFHyH1ck" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">104</span></td></tr> <tr style="background-color: white"> <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_98F_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20231231_zL6xe9o2wkBa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><b>8,082</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231_z9MupIzbL6Cf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><b>17,947</b></span></td></tr> </table> <p id="xdx_8AD_zWWH5ZvTCdrc" 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 and its subsidiaries are parties to lawsuits and administrative proceedings arising from time to time in 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">The provision in the amount of US$<span id="xdx_90B_eifrs-full--EstimatedFinancialEffectOfContingentLiabilities_iI_pn3n3_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--ProvisionForTaxMember_zrFbU75JIAu8" title="Estimated financial effect of contingent liabilities">15,747</span> as of December 31, 2022 referred to a potential legal obligation related to the increase in the contribution of certain Brazilian taxes (PIS and COFINS). The Group had a judicial deposit related to this claim, and in June 2019, Nu withdrew the lawsuit. The release of the judicial deposits in favor of the Brazilian Tax Authorities occurred in May 2023, representing final settlement of the matter with the consequent use of the provisioned amount.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Civil lawsuits are mainly related to credit card operations. Based on management’s assessment and inputs from Nu’s external legal advisors, the Group has provisioned <span style="background-color: white">US$<span id="xdx_90D_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zqTu3uOtn4Ob" title="Legal proceedings provision">7,532</span></span> (US$<span id="xdx_90F_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zxILEFxHQirf" title="Legal proceedings provision">2,096</span> on December 31, 2022) 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_893_ecustom--ScheduleOfReconciliationOfProvisionForLegalAndAdministrativeProceedingsTableTextBlock_z8ixzzpyzIH2" 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_8BD_zfTIzzR9PVT9" style="display: none">Schedule of changes to provision for lawsuits 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> <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="5" 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>2023</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: 8pt; line-height: 115%"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; 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: 33%; 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: 7%; 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: 6%; 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: 7%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Labor</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 6%; 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: 6%; 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: 8%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Labor</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 6%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Tax</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 6%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Civil</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 6%; 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> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zNS2pnqLxuYb" 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>15,747</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zTQZlnLHfkb3" 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>2,096</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_z6xQVPrPBATe" 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>104</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z2poOWtdkJX5" 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_zFGMuwiwR829" 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_98E_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zj888LIb2sva" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zQqUg51PtHi8" 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_987_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zYR95dHnw7B4" 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_98F_eifrs-full--LegalProceedingsProvision_iS_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_z3mQgGcbLDga" 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_98B_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zSCRMbEw5fq6" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5696">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zoFE5fmQBYdf" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">13,961</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_znjKzlpOd5nh" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">627</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zXoDXDjW7wQ6" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5702">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zT6LPWbHsigl" 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_98A_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zUjHd9VeaQn" style="padding: 2pt; text-align: right; line-height: 115%" title="Additions"><span style="font-size: 8pt; line-height: 115%">100</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zx2IH2O9vzKc" 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_984_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zzaAnNmbykvl" 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_983_eifrs-full--AdditionalProvisionsOtherProvisions_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zJskgpDlBe87" 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_98C_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_z7Dfun1gAfe9" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(16,646)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z433JxUF9VJk" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(8,853)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zUUPv0BRh4X" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><span style="font-size: 8pt; line-height: 115%">(202)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zMZWH6VKvjo1" 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_988_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_ztGfHaFETDId" 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_985_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zwrxe22nKaD3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payments / Reversals"><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_98A_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zoh8KocVy4pd" 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: xdx2ixbrl5726">-</span></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--ProvisionForCivilMember_z3H5lfGmeH6e" 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_98A_eifrs-full--ProvisionUsedOtherProvisions_iN_pn3n3_di_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zKn0AlRorGoi" 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: xdx2ixbrl5730">-</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_986_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zturMYwpLyK9" 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%">899</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zkkpmGN9B9gj" 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%">328</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zIukSGjWhxA9" 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</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zWUi96j16Lm4" 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_988_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zLICgjyxBA06" 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_983_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_ztrbesF4RAH3" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zYss6nd1Wlch" 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_98B_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z4JJPXqCEbnj" 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_987_ecustom--IncreaseDecreaseThroughMonetaryAdjustment_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zGO6ZA558aha" 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_989_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zM7hIvXhbGDg" 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><span style="-sec-ix-hidden: xdx2ixbrl5750">-</span></b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zTRO9oQq8M31" 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>7,532</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20230101__20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zxEV7ELMqVLj" 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>550</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_ziFYSAzuHA1e" 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_983_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zh31drNVdTnb" 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_98E_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20220101__20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zSAS36r6OKHh" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98C_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zuCDzT73tNF4" 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_98B_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zW3zQ4RryLCd" 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_982_eifrs-full--LegalProceedingsProvision_iE_pn3n3_c20210101__20211231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zIcWm8I1ufu6" 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 id="xdx_8A4_zulh9LjHwhAh" style="margin-top: 0; margin-bottom: 0"> </p> <p 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_908_ecustom--CivilAndLaborLawsuits_iI_pn3n3_c20231231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiabilitiesMember_zsRK2xIdB857" title="Civil and labor lawsuits">14,212</span> and US$<span id="xdx_909_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20231231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiabilitiesMember_z2iRR8SBCXmd" title="Legal proceedings provision loss">12,333</span>, respectively (US$<span id="xdx_909_ecustom--CivilAndLaborLawsuits_iI_pn3n3_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiabilitiesMember_zndOJoFLxD6" title="Civil and labor lawsuits">7,128</span> and US$<span id="xdx_908_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--TaxContingentLiabilitiesMember_zyCKarTzYoZc" title="Legal Proceedings Provision1">1,814</span> on December 31, 2022).</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Judicial deposits</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2023, the total amount of judicial deposits shown as “Other assets” (note 17) is US$<span id="xdx_90A_ecustom--JudicialDeposits_pn3n3_c20230101__20231231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--SocialSecurityMember_zGZeGEbV2dn1" title="Judicial deposits">3,506</span> (US$<span id="xdx_901_ecustom--JudicialDeposits_pn3n3_c20220101__20221231__ifrs-full--ClassesOfContingentLiabilitiesAxis__custom--SocialSecurityMember_zbbhXZbVqKQa" title="Judicial deposits">18,864</span> on December 31, 2022) and is substantially attributed to the judicial deposit carried on behalf of the shareholders of Nu Invest, prior to the acquisition, due to a tax proceeding related to withholding taxes inappropriately deducted from amounts paid to employees.</p> | |
| CY2023 | ifrs-full |
Disclosure Of Other Provisions Explanatory
DisclosureOfOtherProvisionsExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_892_eifrs-full--DisclosureOfOtherProvisionsExplanatory_zJuBXFGn1TK2" 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"><span id="xdx_8BF_ziT5XqeNJjp6" style="display: none">Schedule of provision for judicial and administrative proceedings</span></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> <td style="padding: 2pt; width: 66%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Tax risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zOXrBPrgfNbj" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5654">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForTaxMember_zPWOtuVmXcHk" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">15,747</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Civil risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_zp8P9ShBbvC7" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">7,532</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForCivilMember_z2vgwcuVoBdl" style="padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">2,096</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Labor risks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--LegalProceedingsProvision_pn3n3_c20231231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zyB9mHySCPjh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">550</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231__ifrs-full--ClassesOfProvisionsAxis__custom--ProvisionForLaborMember_zjp9kFHyH1ck" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt">104</span></td></tr> <tr style="background-color: white"> <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_98F_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20231231_zL6xe9o2wkBa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><b>8,082</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--LegalProceedingsProvision_iI_pn3n3_c20221231_z9MupIzbL6Cf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Provisions for legal proceedings"><span style="font-size: 8pt"><b>17,947</b></span></td></tr> </table> | |
| CY2023Q4 | ifrs-full |
Legal Proceedings Provision
LegalProceedingsProvision
|
8082000 | usd |
| CY2022Q4 | ifrs-full |
Legal Proceedings Provision
LegalProceedingsProvision
|
17947000 | usd |
| CY2023 | nu |
Deferred Revenue From Rewards Program
DeferredRevenueFromRewardsProgram
|
62578000 | usd |
| CY2022 | nu |
Deferred Revenue From Rewards Program
DeferredRevenueFromRewardsProgram
|
34546000 | usd |
| CY2023 | nu |
Deferred Annual Fee From Reward Program
DeferredAnnualFeeFromRewardProgram
|
2762000 | usd |
| CY2022 | nu |
Deferred Annual Fee From Reward Program
DeferredAnnualFeeFromRewardProgram
|
3283000 | usd |
| CY2023 | nu |
Other Deferred Income
OtherDeferredIncome
|
3020000 | usd |
| CY2022 | nu |
Other Deferred Income
OtherDeferredIncome
|
3859000 | usd |
| CY2023 | nu |
Deferred Tax Expense Income2
DeferredTaxExpenseIncome2
|
68360000 | usd |
| CY2022 | nu |
Deferred Tax Expense Income2
DeferredTaxExpenseIncome2
|
41688000 | usd |
| CY2023 | nu |
Credit Ratio
CreditRatio
|
1.00 | |
| CY2023 | ifrs-full |
Disclosure Of Other Liabilities Explanatory
DisclosureOfOtherLiabilitiesExplanatory
|
<p id="xdx_80D_eifrs-full--DisclosureOfOtherLiabilitiesExplanatory_zVjtZQBjL2Te" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">26. <span id="xdx_82C_zEAV0mBUbvh1">Other liabilities</span></p> <table cellpadding="0" cellspacing="0" id="xdx_890_eifrs-full--DisclosureOfOtherCurrentLiabilitiesExplanatory_pn3n3_z85fPbWVrKAc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other liabilities (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span id="xdx_8B8_zWvQejPyzh47" style="display: none">Schedule of other liabilities</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20231231_zxBw1xFsvwW" style="padding: 2pt; width: 14%; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20221231_zxYFv2fDVJ78" style="padding: 2pt; width: 14%; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td 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>2023</b></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>2022</b></span></td></tr> <tr id="xdx_408_ecustom--SundryCreditors_iI_pn3n3_zwQPo2Mvav2i" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Sundry creditors</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">158,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">122,767</span></td></tr> <tr id="xdx_405_eifrs-full--Prepayments_iI_pn3n3_ziBc5CXFPEbl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer prepayments - credit card transactions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">219,426</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">80,798</span></td></tr> <tr id="xdx_409_ecustom--AllowanceAccountForCreditLosseOfFinancialAssets_iI_pn3n3_zX4eDFlrCFdk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit card ECL allowance (note 13)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,066</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,566</span></td></tr> <tr id="xdx_403_eifrs-full--InsuranceContractsThatAreLiabilities_iI_pn3n3_zK0HzLRVfCYi" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Insurances</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">14,798</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5,182</span></td></tr> <tr id="xdx_403_ecustom--IntermediationOfSecurities_iI_pn3n3_zuKlZt4qKCg2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Intermediation of 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%">12,835</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">28,340</span></td></tr> <tr id="xdx_40F_eifrs-full--ContractLiabilities_iI_pn3n3_zYGexd5gkUHe" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Clients transfers - PIX (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%"><span style="-sec-ix-hidden: xdx2ixbrl5821">-</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%">305,508</span></td></tr> <tr id="xdx_408_eifrs-full--OtherFinancialLiabilities_iI_pn3n3_zS1uyyDU0OR1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">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%">105,037</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">75,839</span></td></tr> <tr id="xdx_40E_eifrs-full--OtherLiabilities_iI_pn3n3_zl8MGIwYEMmk" 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>532,331</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>636,000</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Clients transfers - PIX corresponds to unsettled PIX transactions on non-business days.<br/> <br/></td></tr> </table> <p id="xdx_8A5_zX11KzTJKp6k" style="margin-top: 0; margin-bottom: 0"> </p> | |
| CY2023 | ifrs-full |
Disclosure Of Other Current Liabilities Explanatory
DisclosureOfOtherCurrentLiabilitiesExplanatory
|
<table cellpadding="0" cellspacing="0" id="xdx_890_eifrs-full--DisclosureOfOtherCurrentLiabilitiesExplanatory_pn3n3_z85fPbWVrKAc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Other liabilities (Details)"> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 70%; text-align: left; line-height: 115%"><span id="xdx_8B8_zWvQejPyzh47" style="display: none">Schedule of other liabilities</span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_491_20231231_zxBw1xFsvwW" style="padding: 2pt; width: 14%; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td id="xdx_49E_20221231_zxYFv2fDVJ78" style="padding: 2pt; width: 14%; text-align: center; line-height: 115%"> </td></tr> <tr> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td 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>2023</b></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>2022</b></span></td></tr> <tr id="xdx_408_ecustom--SundryCreditors_iI_pn3n3_zwQPo2Mvav2i" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Sundry creditors</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">158,169</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">122,767</span></td></tr> <tr id="xdx_405_eifrs-full--Prepayments_iI_pn3n3_ziBc5CXFPEbl" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Customer prepayments - credit card transactions</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">219,426</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">80,798</span></td></tr> <tr id="xdx_409_ecustom--AllowanceAccountForCreditLosseOfFinancialAssets_iI_pn3n3_zX4eDFlrCFdk" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Credit card ECL allowance (note 13)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">22,066</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">17,566</span></td></tr> <tr id="xdx_403_eifrs-full--InsuranceContractsThatAreLiabilities_iI_pn3n3_zK0HzLRVfCYi" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Insurances</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">14,798</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">5,182</span></td></tr> <tr id="xdx_403_ecustom--IntermediationOfSecurities_iI_pn3n3_zuKlZt4qKCg2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Intermediation of 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%">12,835</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">28,340</span></td></tr> <tr id="xdx_40F_eifrs-full--ContractLiabilities_iI_pn3n3_zYGexd5gkUHe" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Clients transfers - PIX (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%"><span style="-sec-ix-hidden: xdx2ixbrl5821">-</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%">305,508</span></td></tr> <tr id="xdx_408_eifrs-full--OtherFinancialLiabilities_iI_pn3n3_zS1uyyDU0OR1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">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%">105,037</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">75,839</span></td></tr> <tr id="xdx_40E_eifrs-full--OtherLiabilities_iI_pn3n3_zl8MGIwYEMmk" 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>532,331</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>636,000</b></span></td></tr> </table> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Clients transfers - PIX corresponds to unsettled PIX transactions on non-business days.<br/> <br/></td></tr> </table> | |
| CY2023Q4 | nu |
Sundry Creditors
SundryCreditors
|
158169000 | usd |
| CY2022Q4 | nu |
Sundry Creditors
SundryCreditors
|
122767000 | usd |
| CY2023Q4 | ifrs-full |
Prepayments
Prepayments
|
219426000 | usd |
| CY2022Q4 | ifrs-full |
Prepayments
Prepayments
|
80798000 | usd |
| CY2023Q4 | nu |
Allowance Account For Credit Losse Of Financial Assets
AllowanceAccountForCreditLosseOfFinancialAssets
|
22066000 | usd |
| CY2022Q4 | nu |
Allowance Account For Credit Losse Of Financial Assets
AllowanceAccountForCreditLosseOfFinancialAssets
|
17566000 | usd |
| CY2023Q4 | ifrs-full |
Insurance Contracts That Are Liabilities
InsuranceContractsThatAreLiabilities
|
14798000 | usd |
| CY2022Q4 | ifrs-full |
Insurance Contracts That Are Liabilities
InsuranceContractsThatAreLiabilities
|
5182000 | usd |
| CY2023Q4 | nu |
Intermediation Of Securities
IntermediationOfSecurities
|
12835000 | usd |
| CY2022Q4 | nu |
Intermediation Of Securities
IntermediationOfSecurities
|
28340000 | usd |
| CY2022Q4 | ifrs-full |
Contract Liabilities
ContractLiabilities
|
305508000 | usd |
| CY2023Q4 | ifrs-full |
Other Financial Liabilities
OtherFinancialLiabilities
|
105037000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Liabilities
OtherFinancialLiabilities
|
75839000 | usd |
| CY2023Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
532331000 | usd |
| CY2022Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
636000000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Related Party Explanatory
DisclosureOfRelatedPartyExplanatory
|
<p id="xdx_809_eifrs-full--DisclosureOfRelatedPartyExplanatory_z8I6ZQRjb4Ec" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">27. <span id="xdx_824_zG4KGMR4Ll5g">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, such 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 intercompany 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 2023, 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; text-align: justify"><b>a) Transactions with other related parties</b></p> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--ScheduleOfTransactionsWithTheirRelatedPartiesTableTextBlock_zqrKZNhOeqLe" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Related parties (Details)"> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span id="xdx_8B8_z78TnYmZxNFj" style="display: none">Schedule of transactions with other related parties</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td id="xdx_493_20230101__20231231__custom--CategoriesOfRevenueExpensesAxis__custom--OtherRelatedPartiesAssetsAndLiabilitiesMember_zELB9tjd8lSf" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td id="xdx_49F_20220101__20221231__custom--CategoriesOfRevenueExpensesAxis__custom--OtherRelatedPartiesAssetsAndLiabilitiesMember_zYkaRA1DOmy3" style="padding: 2pt; vertical-align: bottom; text-align: center; line-height: 115%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 68%; 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%; background-color: white; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>2023</b></span></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></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="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 id="xdx_40B_ecustom--OtherRelatedParties_pn3n3_zpYx4GnXety1" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">Others</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl5834">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%">316</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; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_49B_20230101__20231231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zL9JEE3rIkGd" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_499_20220101__20221231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zpxrOc9IDZLd" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_49E_20210101__20211231__custom--CategoriesOfRevenueExpensesAxis__custom--RevenueExpensesMember_zoFwX8Q4KoY" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 53%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; 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: 12%; text-align: center"><span style="font-size: 8pt"><b>2021</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 colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>Revenues (expenses)</b></span></td></tr> <tr id="xdx_401_ecustom--OtherRelatedParties_pn3n3_zJja07uln9b8" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5837">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(1,112)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(1,685)</span></td></tr> </table> <p id="xdx_8A2_zqDMeLM2H1a9" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2023, the Company did not have any transactions with other related parties. 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"), who has not been a member of the Board since September 2022, when the Company ceased recognizing Rodamoinho as a related party.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>b) Management compensation</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; 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_89C_ecustom--ScheduleOfMangementCompensationTableTextBlock_zHwfilhJunh" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Related parties (Details 1)"> <tr> <td style="padding: 2pt; vertical-align: top; text-align: left"><span id="xdx_8BE_zkI7IruVwMk8" style="display: none">Schedule of management compensation</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td id="xdx_49E_20230101__20231231_zZAW5CKEto06" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_499_20220101__20221231_ztPpfDmrTTnj" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_497_20210101__20211231_zlmAfJLU15Xa" style="padding: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: top; width: 53%; text-align: left"> </td> <td style="padding: 2pt; vertical-align: top; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 15%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 17%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 12%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr id="xdx_402_ecustom--ConsolidatedStatementsOfProfitOrLossAbstract_iB_zAGwpoWPG1E5"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Consolidated statements of profit or loss</b></span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FixedAndVariableCompensation_pn3n3_zSQggQDd5Wh1" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Fixed and variable compensation</span></td> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">60,117</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">122,892</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">34,252</span></td></tr> </table> <p id="xdx_8AE_zc2x5hCpHhb9" 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">Management compensation includes the compensation of remunerated members of the Board of Directors and of Executive Officers which decreased mainly due to the 2021 Contingent Share Award termination in November 2022, as disclosed in note 10b.</span></p> | |
| CY2023 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
60117000 | usd |
| CY2022 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
122892000 | usd |
| CY2021 | nu |
Fixed And Variable Compensation
FixedAndVariableCompensation
|
34252000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Fair Value Measurement Explanatory
DisclosureOfFairValueMeasurementExplanatory
|
<p id="xdx_800_eifrs-full--DisclosureOfFairValueMeasurementExplanatory_zxWJ7UIBSIvk" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">28. <span id="xdx_823_zu5ZF0f6pNW9">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 as of December 31, 2023 and December 31, 2022 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 as of December 31, 2023, and December 31, 2022. 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, 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> <table cellpadding="0" cellspacing="0" id="xdx_890_ecustom--SummaryOfFairValueMeasurementOfAssetsTableTextBlock_z8KGTQ0T4q7" 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"><span id="xdx_8B1_z42dZuFDfEDb" style="display: none">Schedule of fair value at amortized cost</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right" title="Compulsory deposits at central banks"> </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" title="Compulsory deposits at central banks"> </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> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></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: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 31%; 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>Carrying amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</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: 10%; text-align: center"><span style="font-size: 8pt"><b>Carrying amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 3</b></p></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"><span style="font-size: 8pt"><b>Assets</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> <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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit card receivables (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--LoansAndReceivables1_iI_pn3n3_c20231231_fKGkp_znn5kSM6TDj8" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">12,414,101</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--LoansAndReceivables1_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zdRblurW4234" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5857">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--LoansAndReceivables1_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zFtLGBA0UJY7" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">12,821,731</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--LoansAndReceivables1_iI_pn3n3_c20221231_fKGkp_z58MKYABgxS" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">8,233,123</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--LoansAndReceivables1_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zJfMK9W0GIwh" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5863">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--LoansAndReceivables1_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zvJIRlz3sHP5" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">8,204,077</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Loans to customers (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20231231_fKGkp_zcScrwR2gj69" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">3,201,636</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zOq78l8G3RU2" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5869">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zkUzCSJ1CoVc" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">3,212,542</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20221231_fKGkp_zZnbANBhAo49" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">1,676,276</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_fKGkp_zo4mmVkSQU2b" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5875">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--LoansAndAdvancesToCustomer_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_fKGkp_zF7mXsrwSu3b" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">1,920,518</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--MandatoryReserveDepositsAtCentralBank_iI_pn3n3_c20231231_zzZPdyE349S8" style="padding: 2pt; text-align: right" title="Compulsory deposits at central banks"><span style="font-size: 8pt; color: #434343">7,447,483</span></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 id="xdx_985_ecustom--MandatoryReserveDepositsAtCentralBank_iI_pn3n3_c20221231_zEat1Dn86NDg" style="padding: 2pt; text-align: right" title="Compulsory deposits at central banks"><span style="font-size: 8pt">2,778,019</span></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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--OtherReceivables_iI_pn3n3_c20231231_zUYjBNRBogfh" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt; color: #434343">1,689,030</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zmPUZIAXzlh1" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5885">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z49HHs7AQMZ" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">1,691,884</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--OtherReceivables_iI_pn3n3_c20221231_z57VBeX1kn6l" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">521,670</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--OtherReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zJAgVlgrredc" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5891">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--OtherReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zyl1oiKx9blh" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">522,359</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other financial assets</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--OtherFinancialAssets_iI_pn3n3_c20231231_zboudunmfCs5" style="padding: 2pt; text-align: right" title="Other financial assets"><span style="font-size: 8pt">131,519</span></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 id="xdx_989_eifrs-full--OtherFinancialAssets_iI_pn3n3_c20221231_zucDgKR6AXw1" style="padding: 2pt; text-align: right" title="Other financial assets"><span style="font-size: 8pt">478,283</span></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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Securities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20231231_zsgWaSdfQMo5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">104,420</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z3lTSi85SbZa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">104,668</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zdtVxBB0zjDg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5903">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20221231_ztXPlEJAFLe9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5905">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zvq1yFApMMzl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5907">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--SecuritiesOfFairValue_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zXw18ETeJicl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5909">-</span></span></td></tr> <tr style="background-color: white"> <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_988_ecustom--TotalAsset_iI_pn3n3_c20231231_zvhGX9N8NIZ" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b>24,988,189</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TotalAsset_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zzMUUie4aG45" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b>104,668</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--TotalAsset_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zfMQG6PEOtee" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b>17,726,157</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--TotalAsset_iI_pn3n3_c20221231_z3Ke9WYFXm6j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b>13,687,371</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--TotalAsset_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z8NRVlOk3PAl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5919">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--TotalAsset_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zqu9b3HeGM1g" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Assets"><span style="font-size: 8pt"><b>10,646,954</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: 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"><span style="font-size: 8pt"><b>Liabilities</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> <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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Deposits in electronic money</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DepositsFromElectronicMoney_iI_pn3n3_c20231231_z7TnXT1yMtUl" style="padding: 2pt; text-align: right" title="Deposits in electronic money"><span style="font-size: 8pt">2,388,601</span></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 id="xdx_988_ecustom--DepositsFromElectronicMoney_iI_pn3n3_c20221231_zUUQjh2ioS0i" style="padding: 2pt; text-align: right" title="Deposits in electronic money"><span style="font-size: 8pt">1,534,582</span></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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bank receipt of deposits (RDB)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--BankReceiptOfDeposits_iI_pn3n3_c20231231_zkn48Cd1LlS5" style="padding: 2pt; text-align: right" title="Bank receipt of deposits (RDB)"><span style="font-size: 8pt">21,054,443</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 id="xdx_983_ecustom--BankReceiptOfDeposits_iI_pn3n3_c20221231_z2LKGlKe6wSd" style="padding: 2pt; text-align: right" title="Bank receipt of deposits (RDB)"><span style="font-size: 8pt">14,273,959</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></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bank certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231_zVKHc3YZCHsf" style="padding: 2pt; text-align: right" title="Bank certificate of deposit (CDB)"><span style="font-size: 8pt">248,086</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zd0QMjtMhvJ9" style="padding: 2pt; text-align: right" title="Bank certificate of deposit (CDB)"><span style="font-size: 8pt">249,009</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zEbZXg0H7NXe" style="padding: 2pt; text-align: right" title="Bank certificate of deposit (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5935">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20221231_zvXPtq6duLJi" style="padding: 2pt; text-align: right" title="Bank certificate of deposit (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5937">-</span></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></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Payables to network</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20231231_zYlwceDbU35f" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt">9,755,285</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zjlag0chqEFf" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt">9,605,576</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zelZKpOaWG5j" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5943">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231_zscdYgIYPTJ8" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt">7,054,783</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zJwIfrcCz8uf" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt">6,399,704</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zCA73bdvY588" style="padding: 2pt; text-align: right" title="Payables to network"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5949">-</span></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Borrowings_iI_pn3n3_c20231231_zetsDoSlTSxg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">1,136,344</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zllDLe0rmz3d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">1,136,978</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Borrowings_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zWmPWOqUlh9f" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5955">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Borrowings_iI_pn3n3_c20221231_ziMA54BgC32e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">585,568</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </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_981_ecustom--TotalLiabilitiy_iI_pn3n3_c20231231_zIhY4SHdUdP9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b>34,582,759</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TotalLiabilitiy_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zQ9VoP6mWwKa" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b>10,991,563</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--TotalLiabilitiy_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zyegyCUu7LSk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5963">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TotalLiabilitiy_iI_pn3n3_c20221231_zwFLxHugpqw4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b>23,448,892</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--TotalLiabilitiy_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zkPkslXHPed8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b>6,399,704</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--TotalLiabilitiy_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zQO4nQVAzvg9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total Liabilities"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl5969">-</span></b></span></td></tr> </table> <p style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 3pt 0pt; 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: 3%">(i)</td><td style="text-align: justify">It excludes the fair value adjustment from the hedge accounting.</td></tr></table> <p id="xdx_8A6_zYy3KqCYRlc" style="margin-top: 0; margin-bottom: 0"> </p> <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 hedge items of the portfolio hedge, described in note 19. 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 includes the fair value calculated by the discounted cash flow method, and also cases in which the fair value is the same amount as the book value (cases with prepayment clauses at the amortized cost). The fair value of floating rate demand deposits are assumed to be equal to carrying amounts.</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: 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>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 and credit spread. For payables, cash flows are also discounted by the Group's own credit spread.</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 interest rate curve and a credit spread. -</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 the interest rate curve 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, 2023, and December 31, 2022, 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_890_ecustom--ScheduleOfFairValueMeasurementTableTextBlock_zu0iRtP5My91" 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_z5RWELJ1OYbl" style="display: none">Schedule of fair value measurement</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> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 48%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</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: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</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: 12%; text-align: center"><span style="font-size: 8pt"><b>Total</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: 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="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: 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="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: 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="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_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zQ8jtkjCrCUd" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">7,475,904</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zI9JpU8WNVUe" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5975">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--Assets_pdn3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z9BaPGEfiVKd" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5977">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--Assets_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember_zJcUCf1Oa6e1" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">7,475,904</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_983_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zIAx2a5CeRe8" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">126,914</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zcFX24nxFj8j" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5983">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z53B2e5wE433" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5985">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember_zEX4YWCJyDK3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">126,914</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_988_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zq5DM7Q4Q3m5" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">1,407</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zrRSBjjFoHH6" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5991">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z4n63zfqsNi6" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5993">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Assets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember_zynmMvS8VLdh" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">1,407</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: 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="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: 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="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_98A_eifrs-full--DepositsFromBanks_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zk9X92ThZldh" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl5997">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--DepositsFromBanks_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zF3bhKwf13j4" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">5,770</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--DepositsFromBanks_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zre9bakZB6Ud" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6001">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--DepositsFromBanks_iI_pn3n3_c20231231_zsjjMRaeose1" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt">5,770</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_988_ecustom--InvestmentFunds_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z7mUnr3bdM76" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6005">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--InvestmentFunds_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zNbRcA8P5JC5" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">70,967</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--InvestmentFunds_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zwJJN7aoJw8d" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6009">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--InvestmentFunds_iI_pn3n3_c20231231_zC8idg0kCBfa" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">70,967</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_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zPoG2U2vGYt8" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6013">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--TimeDeposit_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zQGVijNGuBHb" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">194,390</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--TimeDeposit_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zyyQwRVzh1r" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6017">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--TimeDeposit2_iI_pn3n3_c20231231_zbCZtF5vSw7f" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">194,390</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_98E_ecustom--BillOfCredit_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zclK8vsigMQc" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6021">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--BillOfCredit_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zbGoNen4wMel" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt">1</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--BillOfCredit_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zFfBOvOymije" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6025">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--BillOfCredit_iI_pn3n3_c20231231_zlczkDrNVy71" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt">1</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zbd4z1ACW7b" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">234</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_ziNEKFpUtSHl" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">17,839</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zPAGnekE8tg4" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6033">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20231231_zAv96LNcuQM3" style="padding: 2pt; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">18,073</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</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zJFP9J4VYCzg" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6037">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zLxKBQ8ihTW1" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt">186</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zVTlYoNrkgd7" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6041">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20231231_z5EChTbXE2ea" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt">186</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_983_ecustom--Debentures_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zL84hJ1FIv71" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt">1,124,154</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--Debentures_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zmo0SJ9GDjA5" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt">143,354</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 id="xdx_989_ecustom--Debentures_iI_pn3n3_c20231231_zsqvCFd5WMLl" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt">1,267,508</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_98A_ecustom--EquityInstrument_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zBbFpLjUOG0c" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6051">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--EquityInstrument_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zJDE8gTmCOOh" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6053">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--EquityInstrument_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zh2nLYIjULzk" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">13,199</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--EquityInstrument_iI_pn3n3_c20231231_zFdkj9y4w3m3" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">13,199</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_984_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z9Et9dc8Mr9b" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">3,079</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zFg6pfXA80Y5" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">17,882</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zp2jGhfYsg58" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">20</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231_z8lXMivKWi5d" style="padding: 2pt; text-align: right" title="Derivative financial instruments"><span style="font-size: 8pt">20,981</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_989_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zLWjlASm4uJa" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6067">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--CollateralForCreditCardOperations_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zOw7iNdJkGz1" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">320</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_ztgxcNFhvbal" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6071">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20231231_zs1C1eWY7wqb" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt">320</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: 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="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: 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="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_98A_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zJjTZHUAR5D4" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">4</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zGKS2NAjLrqk" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">28,169</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zCggsHHjYbZj" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6079">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20231231_zoUosNw1Cvgg" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">28,173</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_984_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zrRORNkGmVi4" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6083">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zvTmPCBpuwyj" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">3,988</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zRs6Lj6e79Yc" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6087">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231_zWdBZMqOjZR3" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">3,988</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_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zhTWCh7K8d58" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6091">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--RepurchaseAgreements_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zs9EJoDoidN8" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">210,454</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_z4MSukWMjLn8" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6095">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231_z2LRcC0g4bkh" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">210,454</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> <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; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr> <td style="padding: 2pt; width: 48%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</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: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Level 2</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Fair value -</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: 12%; text-align: center"><span style="font-size: 8pt"><b>Total</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: 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="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: 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="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: 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="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_985_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zmpwMkd34jGf" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">8,222,278</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zI1qi5HfPkf3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6101">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zT5f2aGDbEE9" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6103">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember_zNg2hyTakcnb" 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_988_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zQaB8k1dRVVh" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">171,184</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zvY2fULOzDQ7" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6109">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zlIEsgxrHP95" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6111">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember_zANaXy5PGyLj" 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_983_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zkMrW7oebAX4" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt">1,382</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zdpBwJ2dD5Qd" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6117">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zrodjfSjRPj3" style="padding: 2pt; text-align: right" title="Assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6119">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Assets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember_zca1Y7rBwwuc" 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: 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="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: 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="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_988_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z4kTikP46hV2" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6123">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zNU80IeQGcSd" 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: left"> </td> <td id="xdx_980_eifrs-full--DepositsFromBanks_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zYJzf3ox6Kn5" style="padding: 2pt; text-align: right" title="Certificate of bank deposits (CDB)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6127">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--DepositsFromBanks_pn3n3_c20221231_zivwLaHux1N" 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_98F_ecustom--InvestmentFunds_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z1GPAu80NVeg" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6131">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--InvestmentFunds_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z2aLzJewe33i" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt">302,779</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--InvestmentFunds_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zm0I6SnxCjul" style="padding: 2pt; text-align: right" title="Investment funds"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6135">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--InvestmentFunds_pn3n3_c20221231_zelsYFmmlcZj" 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_985_ecustom--TimeDeposit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zS5CjpVluwj9" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6139">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--TimeDeposit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zufIsKoTc5Sa" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt">446,436</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TimeDeposit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zTCoROXAZRj1" style="padding: 2pt; text-align: right" title="Time deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6143">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--TimeDeposit2_iI_pn3n3_c20221231_zSa43zC8Qcad" 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_zV7npzSuXCIk" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6147">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--BillOfCredit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zJ1x74HqTvc1" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt">138</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--BillOfCredit_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zH7uWKSgrmd5" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6151">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--BillOfCredit_pn3n3_c20221231_z624AOM53IJ4" style="padding: 2pt; text-align: right" title="Bill of credit (LC)"><span style="font-size: 8pt">138</span></td></tr> <tr style="background-color: white"> <td style="width: 48%; padding-top: 2pt; padding-bottom: 2pt; text-align: left"><span style="font-size: 8pt">Real estate and agribusiness certificate of receivables (CRIs/CRAs)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_983_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zb9fQmsdbXsi" style="padding: 2pt; width: 12%; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">2</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_989_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zut5jKodCG84" style="padding: 2pt; width: 12%; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt">32,173</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_984_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zIESvpP94vUc" style="padding: 2pt; width: 12%; text-align: right" title="Real estate and agribusiness certificate of receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6159">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_987_ecustom--RealEstateAndAgribusinessCertificateOfReceivables_iI_pn3n3_c20221231_zJWqP2FNLEy1" style="padding: 2pt; width: 12%; 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_982_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zl12YqUsT303" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6163">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zYFXzb3dToGg" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt">1,197</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zviJ734MFoz7" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6167">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--RealEstateAndAgribusinessLetterOfCreditCriscras_pn3n3_c20221231_zGpb61aYLO4" style="padding: 2pt; text-align: right" title="Real estate and agribusiness letter of credit"><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_988_ecustom--Debentures_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zkVXajGSjQsa" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt">676,953</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--Debentures_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zDQcg1M0lxp" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt">158,675</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--Debentures_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zSUrXFirNxyg" style="padding: 2pt; text-align: right" title="Corporate bonds and debentures"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6175">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--Debentures_pn3n3_c20221231_zXoNiS7sNvjb" style="padding: 2pt; text-align: right" title="Corporate bonds and 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_987_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zzSuL8LBQ0t1" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6179">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zRu7HooUU1rf" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6181">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--EquityInstrument_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zBWXtY7Pef5e" style="padding: 2pt; text-align: right" title="Equity instrument"><span style="font-size: 8pt">22,082</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--EquityInstrument_pn3n3_c20221231_zURHMezYA3e8" 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_985_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_ziJx7pNs2Ge1" 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: left"> </td> <td id="xdx_98B_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zlFAsR1IiZ76" 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: left"> </td> <td id="xdx_98E_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zOI3ZJAKDT53" 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: left"> </td> <td id="xdx_988_ecustom--DerivativeFinancialInstruments_pn3n3_c20221231_zF2yOcvWOcBf" 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_zOBG0L4GOSJa" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6195">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zBcVkgpu58ke" 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: left"> </td> <td id="xdx_986_ecustom--CollateralForCreditCardOperations_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zR1uP75gO8Ee" style="padding: 2pt; text-align: right" title="Collateral for credit card operations"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6199">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--CollateralForCreditCardOperations_pn3n3_c20221231_zJqxE5xtxHa" 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: 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="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: 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="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_989_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_zVll5PQS9Rf8" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt">384</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_z3wjN1Ug388g" 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: left"> </td> <td id="xdx_98F_eifrs-full--DerivativeFinancialLiabilities_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zGSYzM0nC6y3" style="padding: 2pt; text-align: right" title="Derivative financial liabilities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6207">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--DerivativeFinancialLiabilities_pn3n3_c20221231_zbDUbmoo4kgf" 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_zc5rB5NZk7r7" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6211">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zdSYo3qyZcS4" 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: left"> </td> <td id="xdx_987_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zYoQrd5VxHP5" style="padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6215">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--InstrumentsEligibleAsCapital_pn3n3_c20221231_zm9w5KYqHDbi" 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_98F_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level1OfFairValueHierarchyMember_z32pswGrmnsh" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6219">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level2OfFairValueHierarchyMember_zjr2yNdy5ml7" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">197,242</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--RepurchaseAgreements_iI_pn3n3_c20221231__ifrs-full--LevelsOfFairValueHierarchyAxis__ifrs-full--Level3OfFairValueHierarchyMember_zxmAr0XEW5r6" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6223">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--RepurchaseAgreements_pn3n3_c20221231_zfnRt6s8mdJ6" style="padding: 2pt; text-align: right" title="Repurchase agreements"><span style="font-size: 8pt">197,242</span></td></tr> </table> <p id="xdx_8AD_zIo73gNVqmz1" 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. Therefore, 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 "<i>Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais</i>" ("Anbima"). For US and Mexico bonds, fair values are the published prices by Bloomberg. Other corporate bonds and investment fund shares, the valuation of which 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.</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"><b>Repurchase agreements: </b>The fair value is calculated by discounted cash flow<b>. </b></p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Transfers between levels of the fair value hierarchy</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">For the year ended December 31, 2023, 2022 and 2021, there were no transfers of financial instruments between levels 1 and 2 or between levels 2 and 3.<br/> <br/> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The table below shows a reconciliation from the opening balances to the closing balances for recurring fair value measurements categorized within Level 3 of the fair value hierarchy</p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfFairValueAssetsTableTextBlock_zRhv3rHpaiF3" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Fair value measurement (Details 2)"> <tr style="background-color: white"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8BC_zBA3vIjlM2Uh" style="display: none">Schedule of transfers between levels of the fair value hierarchy</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_491_20230101__20231231__ifrs-full--FairValueAsDeemedCostAxis__custom--EquityInstrumentMember_zAuxwL2wXIhe" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49B_20230101__20231231__ifrs-full--FairValueAsDeemedCostAxis__custom--DerivativeFinancialinstrumentsMember_zGEKsRQDElLl" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49D_20230101__20231231_zRVwXP0p3vyk" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td></tr> <tr> <td style="padding: 2pt; width: 46%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center"><span style="font-size: 8pt"><b>Equity instrument</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center"><span style="font-size: 8pt"><b>Derivative financial instruments</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 17%; text-align: center"><span style="font-size: 8pt"><b>Total</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: 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 id="xdx_401_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iS_pn3n3_znnRxqdB6Byd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>22,082</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>27,908</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>49,990</b></span></td></tr> <tr id="xdx_406_ecustom--RecognizedThroughProfitOrLoss_pn3n3_zeVzu9erAnUh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Recognized through profit or loss</i></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"><i>(8,883)</i></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"><i>(27,888)</i></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"><i>(36,771)</i></span></td></tr> <tr id="xdx_40B_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iE_pn3n3_z8O5zZuKaKwf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at end of year</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>13,199</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>20</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>13,219</b></span></td></tr> </table> <p style="font: 8pt/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 style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_496_20220101__20221231__ifrs-full--FairValueAsDeemedCostAxis__custom--EquityInstrumentMember_zkNvLAzJazwl" 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_20220101__20221231__ifrs-full--FairValueAsDeemedCostAxis__custom--DerivativeFinancialinstrumentsMember_z04uDyLmOMVl" 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_496_20220101__20221231_zs7JLYyEhz2f" 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; vertical-align: bottom; text-align: left; line-height: 115%"> </td> <td style="padding: 2pt; vertical-align: bottom; 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%; 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: 16%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Equity instrument</b></span></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>Derivative financial instruments</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: 16%; 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></tr> <tr id="xdx_401_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iS_pn3n3_z6yt1ilcZora" 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 beginning of 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>30,735</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>19,756</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>50,491</b></span></td></tr> <tr id="xdx_406_ecustom--RecognizedThroughProfitOrLoss_pn3n3_zIfaEOuYrYIa" style="background-color: white"> <td style="padding: 2pt; text-align: left; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><i>Recognized through profit or loss</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%"><i>(8,653)</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%"><i>8,152</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%"><i>(501)</i></span></td></tr> <tr id="xdx_40B_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iE_pn3n3_zxHcc9vFfPvb" 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 end of 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>22,082</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>27,908</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>49,990</b></span></td></tr> </table> <p style="font: 8pt/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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49D_20210101__20211231__ifrs-full--FairValueAsDeemedCostAxis__custom--EquityInstrumentMember_zwwpVlSNfasa" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20210101__20211231__ifrs-full--FairValueAsDeemedCostAxis__custom--DerivativeFinancialinstrumentsMember_zpe8gUBISnkf" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_499_20210101__20211231_zCC0e3JwuGMa" style="padding: 2pt; text-align: center"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td colspan="5" 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: 47%; background-color: white; text-align: left"> </td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 20%; text-align: center"><span style="font-size: 8pt"><b>Equity instrument</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Derivative financial instruments</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 15%; text-align: center"><span style="font-size: 8pt"><b>Total</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: 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 id="xdx_401_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iS_pn3n3_zGht3P2BghRb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at beginning of year</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6253">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6254">-</span></b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6255">-</span></b></span></td></tr> <tr id="xdx_404_ecustom--NewIssuances_pn3n3_zD2nh1prB1dh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>New issuances</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>11,211</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>19,756</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>30,967</i></span></td></tr> <tr id="xdx_406_ecustom--RecognizedThroughProfitOrLoss_pn3n3_z0zOmlarvZid" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Recognized through profit or loss</i></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"><i>19,524</i></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"><i><span style="-sec-ix-hidden: xdx2ixbrl6262">-</span></i></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"><i>19,524</i></span></td></tr> <tr id="xdx_40B_eifrs-full--FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost_iE_pn3n3_zOG1btodzbL2" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at end of year</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>30,735</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>19,756</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>50,491</b></span></td></tr> </table> <p id="xdx_8A0_znBipDPELHgc" style="font: 8pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023Q4 | nu |
Loans And Receivables1
LoansAndReceivables1
|
12414101000 | usd |
| CY2022Q4 | nu |
Loans And Receivables1
LoansAndReceivables1
|
8233123000 | usd |
| CY2023Q4 | nu |
Loans And Advances To Customer
LoansAndAdvancesToCustomer
|
3201636000 | usd |
| CY2022Q4 | nu |
Loans And Advances To Customer
LoansAndAdvancesToCustomer
|
1676276000 | usd |
| CY2023Q4 | nu |
Mandatory Reserve Deposits At Central Bank
MandatoryReserveDepositsAtCentralBank
|
7447483000 | usd |
| CY2022Q4 | nu |
Mandatory Reserve Deposits At Central Bank
MandatoryReserveDepositsAtCentralBank
|
2778019000 | usd |
| CY2023Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
1689030000 | usd |
| CY2022Q4 | ifrs-full |
Other Receivables
OtherReceivables
|
521670000 | usd |
| CY2023Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
131519000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2023Q4 | nu |
Securities Of Fair Value
SecuritiesOfFairValue
|
104420000 | usd |
| CY2023Q4 | nu |
Total Asset
TotalAsset
|
24988189000 | usd |
| CY2022Q4 | nu |
Total Asset
TotalAsset
|
13687371000 | usd |
| CY2023Q4 | nu |
Deposits From Electronic Money
DepositsFromElectronicMoney
|
2388601000 | usd |
| CY2022Q4 | nu |
Deposits From Electronic Money
DepositsFromElectronicMoney
|
1534582000 | usd |
| CY2023Q4 | nu |
Bank Receipt Of Deposits
BankReceiptOfDeposits
|
21054443000 | usd |
| CY2022Q4 | nu |
Bank Receipt Of Deposits
BankReceiptOfDeposits
|
14273959000 | usd |
| CY2023Q4 | nu |
Bank Certificate Of Deposit
BankCertificateOfDeposit
|
248086000 | usd |
| CY2023Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
9755285000 | usd |
| CY2022Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
7054783000 | usd |
| CY2023Q4 | ifrs-full |
Borrowings
Borrowings
|
1136344000 | usd |
| CY2022Q4 | ifrs-full |
Borrowings
Borrowings
|
585568000 | usd |
| CY2023Q4 | nu |
Total Liabilitiy
TotalLiabilitiy
|
34582759000 | usd |
| CY2022Q4 | nu |
Total Liabilitiy
TotalLiabilitiy
|
23448892000 | usd |
| CY2023Q4 | ifrs-full |
Deposits From Banks
DepositsFromBanks
|
5770000 | usd |
| CY2023Q4 | nu |
Investment Funds
InvestmentFunds
|
70967000 | usd |
| CY2023Q4 | nu |
Time Deposit2
TimeDeposit2
|
194390000 | usd |
| CY2023Q4 | nu |
Bill Of Credit
BillOfCredit
|
1000 | usd |
| CY2023Q4 | nu |
Real Estate And Agribusiness Certificate Of Receivables
RealEstateAndAgribusinessCertificateOfReceivables
|
18073000 | usd |
| CY2023Q4 | nu |
Real Estate And Agribusiness Letter Of Credit Criscras
RealEstateAndAgribusinessLetterOfCreditCriscras
|
186000 | usd |
| CY2023Q4 | nu |
Debentures
Debentures
|
1267508000 | usd |
| CY2023Q4 | nu |
Equity Instrument
EquityInstrument
|
13199000 | usd |
| CY2023Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
20981000 | usd |
| CY2023Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
320000 | usd |
| CY2023Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
28173000 | usd |
| CY2023Q4 | nu |
Instruments Eligible As Capital
InstrumentsEligibleAsCapital
|
3988000 | usd |
| CY2023Q4 | nu |
Repurchase Agreements
RepurchaseAgreements
|
210454000 | 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 |
| CY2022Q4 | ifrs-full |
Fair Value Of Financial Assets Reclassified As Measured At Amortised Cost
FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost
|
49990000 | usd |
| CY2023 | nu |
Recognized Through Profit Or Loss
RecognizedThroughProfitOrLoss
|
-36771000 | usd |
| CY2023Q4 | ifrs-full |
Fair Value Of Financial Assets Reclassified As Measured At Amortised Cost
FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost
|
13219000 | usd |
| CY2021Q4 | ifrs-full |
Fair Value Of Financial Assets Reclassified As Measured At Amortised Cost
FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost
|
50491000 | usd |
| CY2022 | nu |
Recognized Through Profit Or Loss
RecognizedThroughProfitOrLoss
|
-501000 | usd |
| CY2022Q4 | ifrs-full |
Fair Value Of Financial Assets Reclassified As Measured At Amortised Cost
FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost
|
49990000 | usd |
| CY2021 | nu |
New Issuances
NewIssuances
|
30967000 | usd |
| CY2021 | nu |
Recognized Through Profit Or Loss
RecognizedThroughProfitOrLoss
|
19524000 | usd |
| CY2021Q4 | ifrs-full |
Fair Value Of Financial Assets Reclassified As Measured At Amortised Cost
FairValueOfFinancialAssetsReclassifiedAsMeasuredAtAmortisedCost
|
50491000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Income Tax Explanatory
DisclosureOfIncomeTaxExplanatory
|
<p id="xdx_807_eifrs-full--DisclosureOfIncomeTaxExplanatory_zRLvCBL5Uv9d" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">29. <span id="xdx_829_zAoqqDVAsLTg">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: 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. Thus, the following is a reconciliation of income tax expense to profit (loss) for the period, calculated by applying the combined Brazilian </span>income tax rate of <span id="xdx_902_eifrs-full--TaxRateEffectOfForeignTaxRates_pip0_dp_c20230101__20231231_zf4FZNMJpzBk" title="Tax rate effect from change in tax rate">40</span>% for the years ended December 31, 2023, <span id="xdx_909_eifrs-full--TaxRateEffectOfForeignTaxRates_pip0_dp_c20220801__20221231_zfeB5SnGWOs6" title="Tax rate effect from change in tax rate">41</span>% from August 1, 2022 to December 31, 2022 and <span id="xdx_907_eifrs-full--TaxRateEffectOfForeignTaxRates_pip0_dp_c20210101__20211231_zxoyHlCzAq8a" title="Tax rate effect from change in tax rate">45</span>% for the year ended December 31, 2021.</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfIncomeTaxReconciliationTableTextBlock_pn3n3_zCIJ0dhL6uHa" 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"><span id="xdx_8B7_zavob76GCrxj" style="display: none">Schedule of income tax reconciliation</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49C_20230101__20231231_zD6ZnuyC8BBi" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_498_20220101__20221231_zDAJvlRu3L99" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_491_20210101__20211231_zm5kykIFYDR8" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; width: 47%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 7%; text-align: left"> </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: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr id="xdx_40B_ecustom--NetLossBeforeIncomeTax_pn3n3_zOc4e2RUAIN8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Profit (loss) before income tax</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: right"><span style="font-size: 8pt"><b>1,539,078</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(308,901)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(170,164)</b></span></td></tr> <tr id="xdx_405_eifrs-full--TaxRateEffectFromChangeInTaxRate_pip0_dp_zBzZHPW59yEc" style="background-color: white"> <td style="padding: 2pt; width: 47%; text-align: left"><span style="font-size: 8pt">Tax rate (i)</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 7%; text-align: left"> </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: 14%; text-align: right"><span style="font-size: 8pt">40%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: right"><span style="font-size: 8pt">41%</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: right"><span style="font-size: 8pt">45%</span></td></tr> <tr id="xdx_404_ecustom--IncomeTaxBenefit_pn3n3_zlvIE0F6BaL4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Income tax</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(615,631)</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>126,649</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>76,574</b></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: 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 id="xdx_409_ecustom--PermanentAdditionsexclusions_pn3n3_zvuegnVkWmXb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Permanent additions/exclusions</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 id="xdx_40A_ecustom--SharebasedPayments_pn3n3_zUkfaVfooo7c" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share-based payments</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: right"><span style="font-size: 8pt">(16,880)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(11,757)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(41,418)</span></td></tr> <tr id="xdx_400_ecustom--OperationalLossesAndOthers_pn3n3_zTZsjFtjxsc4" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Operational losses and others</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: right"><span style="font-size: 8pt">(11,342)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(9,112)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(6,385)</span></td></tr> <tr id="xdx_407_ecustom--ChangesInIncomeTaxRate_pn3n3_zVKbUMeZoUH9" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Changes in income tax rate</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6304">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(2,531)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(11,127)</span></td></tr> <tr id="xdx_406_ecustom--ContingentShareAwardTermination1_pn3n3_zthyYYnmwiW7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Contingent share award (CSA) - termination (iii)</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6308">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(145,785)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6310">-</span></span></td></tr> <tr id="xdx_408_ecustom--EffectOfDifferentTaxRatesSubsidiariesAndParentCompany_pn3n3_zJoqyjfMvBwj" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effect of different tax rates - subsidiaries and parent company</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: right"><span style="font-size: 8pt">80,128</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(31,765)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(4,541)</span></td></tr> <tr id="xdx_409_ecustom--InterestOnCapital_pn3n3_zCL8aXVN9DYc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Interest on capital</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: right"><span style="font-size: 8pt">32,731</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6317">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OtherAmounts_pn3n3_zXMtH2WuBvTd" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other amounts (ii)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">22,446</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">18,568</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">(10,603)</span></td></tr> <tr id="xdx_407_ecustom--IncomeTax1_pn3n3_zKzdoFvZKXhl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Income tax</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(508,548)</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>(55,733)</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>2,500</b></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: 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 id="xdx_403_ecustom--CurrentTaxExpense_pn3n3_zw3hw3hSrRy2" style="background-color: rgb(232,231,252)"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Current tax expense</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: right"><span style="font-size: 8pt">(1,184,230)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(473,345)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(219,824)</span></td></tr> <tr id="xdx_405_ecustom--DeferredTaxBenefit_pn3n3_zZXbpGo73Dy6" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Deferred tax benefit</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">675,682</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">417,612</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">224,654</span></td></tr> <tr id="xdx_408_ecustom--IncomeTaxInStatementOfProfitOrLoss_pn3n3_z63LfjQkKh07" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Income tax in the statement of profit or loss</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>(508,548)</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>(55,733)</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>4,830</b></span></td></tr> <tr id="xdx_406_ecustom--DeferredTaxRecognizedInOci_pn3n3_z2F2l3QgzAh4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Deferred tax recognized in OCI</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: right"><span style="font-size: 8pt">1,666</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">829</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(2,330)</span></td></tr> <tr id="xdx_409_eifrs-full--AverageEffectiveTaxRate_pip0_dp_zElQDzVnRup7" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Effective tax rate</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: right"><span style="font-size: 8pt">33.0%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">18.0%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2.8%</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; width: 3%">(i)</td> <td style="text-align: justify; 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 style="text-align: justify; width: 3%">(ii)</td> <td style="text-align: justify; width: 97%">Mostly related to the amount of deductions and incentives.</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; width: 3%">(iii)</td> <td style="text-align: justify; width: 97%">The amount is related to the termination of the Contingent Share Award (CSA) as described in note 10b.</td></tr> </table> <p id="xdx_8AA_z5xyPEy6xmv2" 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) 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, 2023, 2022 and 2021, and the changes for the both periods. 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 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 and there is no time limit to use it.</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfDeferredIncomeTaxesTableTextBlock_zo1OA9R8FV59" 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"><span id="xdx_8BC_z81bGTwT9lUk" style="display: none">Schedule of deferred income taxes</span></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> <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> <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: 8pt"><b>Reflected in the statement of profit or loss</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></tr> <tr> <td style="padding: 2pt; width: 36%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; 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: 11%; text-align: center"><span style="font-size: 8pt"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></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: 8pt"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Provisions for credit losses</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zlLuiiiDOxvh" style="padding: 2pt; text-align: right" title="Deferred income taxes, Beginning balance"><span style="font-size: 8pt">583,791</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zbe5bFpgWHmc" style="padding: 2pt; text-align: right" title="Deferred income taxes, Constitution"><span style="font-size: 8pt">1,067,729</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zuE1cZsk1Ggi" style="padding: 2pt; text-align: right" title="Deferred income taxes, Realization"><span style="font-size: 8pt">(385,564)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zwPy4MtOHxgb" style="padding: 2pt; text-align: right" title="Deferred income taxes, Foreign exchange"><span style="font-size: 8pt">64,777</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z1W81hFxSEC4" style="padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">1,330,733</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zABQhWzd0IMg" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">6,299</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zgcFqjrzHeLk" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(6,787)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zcBc0quA3Wvi" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(1,620)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zKpIV1OwpKWc" style="padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">(2,108)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other temporary differences (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zojl2X38cmC9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">123,103</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z61ZCn2cXwQ7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">103,257</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z9CTLZSzcfgc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(45,132)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zYg91rXoa2vi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">10,842</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: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zWtzufEExeqe" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">192,070</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zwvGJMpAQLYc" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>713,193</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zZu6i6KNLCR5" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>1,170,986</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z08WYqR3siM7" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(437,483)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z3sd3lp6dVX7" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>73,999</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zOnMb42PhoQg" style="padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt"><b>1,520,695</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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 style="padding: 2pt; text-align: left"> </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 style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zYGJHfShJ8sb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">97,857</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zHt1FctYuws" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">61,047</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zjQfkg5N9BH9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(72,662)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zNOdrV6G1Bed" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">6,676</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: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zMLLZLWw5gAd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">92,918</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zCVe4PoLSrpg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>811,050</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zU7kmcFQvFjk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>1,232,033</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zTP4hpzvVnBh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(510,145)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zqSFe7gOwQ7d" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>80,675</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>-</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zWfaDGSkfw2i" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt"><b>1,613,613</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; width: 36%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 11%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 10%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 9%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 9%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 9%; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Futures settlement market</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_z21VUlqD5Kqh" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(13,739)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zgFNKZJViItf" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(3,082)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zQeSxG64CMFl" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">5,772</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zvPMVdh80Sw2" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(460)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zz32vsYEO1l4" style="padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">(11,509)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z6UZO85IY091" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(3,291)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z6qvBynzqRL1" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(3,537)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zdIOOpaKghc3" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(194)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zMTl4zcUxEca" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(360)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--ReflectedInOci_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zwUkQXGON8Z1" style="padding: 2pt; text-align: right" title="Deferred income taxes, Reflected in OCI"><span style="font-size: 8pt">(1,950)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zvuwryXvjand" style="padding: 2pt; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">(9,332)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zhEEgIuI3Cv2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(24,088)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_ztnqIOc0sMJj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(59,381)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_z9Sf6CpgIX5j" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">25,635</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zY2OGUMKGS82" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">2,897</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: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zPkorzWDYyW" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(54,937)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zi7ttRKJOyO" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>(41,118)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zuNCjSt8ipCb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>(66,000)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zBtZiUZakgrg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>31,213</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zyibG0gK0Va5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>2,077</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--ReflectedInOci_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zrpTduHv3fpk" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>(1,950)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zG10vgtNoUt9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>(75,778)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred tax, offset</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_z0QONLtQ1O1a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>769,932</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_zIAtRU4QKdH9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>1,166,033</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_zo5tal2TqZQ2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(478,932)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_z3uULFVCYZe5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>82,752</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--ReflectedInOci_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_zBjjkEUAeq98" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>(1,950)</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxOffsetMember_zYFRgWbzu51b" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>1,537,835</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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 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="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zYtjPGQKEKJd" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(1,758)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesConstitution_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zdoJjrgunkZf" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution"><span style="font-size: 8pt">107,410</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z8uGkaeZ7x2a" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(118,829)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z1YQdN44xfPl" style="padding: 2pt; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">7,802</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--ReflectedInOci_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z7QJk5Tvq2Bb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt">3,616</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_ziTiBh2VNyw8" style="padding: 2pt; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(5,375)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Deferred tax recognized during the year</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 id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zlJavN5JkMj9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>1,273,443</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zme7u2CDfXTc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(597,761)</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 id="xdx_988_ecustom--ReflectedInOci_pn3n3_c20230101__20231231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zUpnCPwOwEbh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>1,666</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </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; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Other temporary differences are composed mainly by other provisions and supplier provisions.</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; 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: 8pt"><b>Reflected in the statement of profit or loss</b></span></td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr> <td style="padding: 2pt; width: 35%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Other</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Constitution</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: 8pt"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Reflected in OCI</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: 8pt"><b>2022</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> <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="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Provisions for credit losses</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zQcOjncSuxLl" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">204,459</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zNwyBVNNivMh" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Other"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6484">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z620Th4xHqv7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">600,227</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zDxXVtVTcGk2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(221,817)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zTxhBUjADyta" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">922</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zVKY83fznOzj" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">583,791</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zCm2Er8ZAD0l" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">5,965</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zXEuuEUwsci2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">334</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zq8WXzYV3Uub" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">6,299</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Other temporary differences (i)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zFydUq4Mhh9f" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">72,343</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zDy02FURVMTl" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Other"><span style="font-size: 8pt">12,175</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zaeUjyr0Ihag" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">68,971</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zdZ5ctnkBce6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(34,313)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zDIRFos8vhz2" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">3,927</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zFyXWlLl2h8k" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">123,103</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zaYbcVvqY3w2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>282,767</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zFLXZGbGZRl" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes other"><span style="font-size: 8pt"><b>12,175</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z0oIKI7qYNr5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>669,198</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zX6VqzJNJn52" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(256,130)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zg3RyCweTSB2" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>5,183</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zS4RVO8CsCp4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>713,193</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zY3Hen0oxdL" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">77,985</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_znCQnkZF9TU" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">19,930</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zgIllImLtfod" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(5,707)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zEM73aROU0s4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">5,649</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zkOAkgRm4ejh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">97,857</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_z9VBNLp7o5L4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>360,752</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesOther_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_ztls15pMi3h1" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Other"><span style="font-size: 8pt"><b>12,175</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zLQ3bZ50MnO5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>689,128</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zVuT5kdOsMUb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(261,837)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zMXFpvIN8X4e" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>10,832</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zSvw3UGD8936" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>811,050</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Futures settlement market</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_z6ikhcmJRxS" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(18,850)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_z8pEj3R3FAYc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(7,821)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zruPWg3CZD9i" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">13,730</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zIkaTrV2dtSd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(798)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zoQuIfsDghbi" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(13,739)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zvowHgClgE35" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(2,144)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zDPqNzCOGZyf" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(3,744)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zCBAENVU5v5h" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">4,634</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zKgGOs6CCLn4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(51)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z1OTXHSnWMi3" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt">(1,986)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z34R4NSa7iR9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(3,291)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zAZIqH2HHsHa" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(8,340)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zMErqXBoNhkd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">46,446</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zjOSCEBlFHfc" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(60,338)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zORSfKA8wrPh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(1,856)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_z5uLpxXOJIzc" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(24,088)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zWu5WZGqXtUe" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>(29,334)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zzpug0R5Cd4d" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>34,881</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_z65YXn3TmUWl" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(41,974)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zygJXpNI6481" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>(2,705)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zlIo8vdmxfbd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>(1,986)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zJl4P9gzjdbh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt"><b>(41,118)</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zgX0lisTc2C4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, beginning"><span style="font-size: 8pt">1,057</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesConstitution_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zfHccLpT1k2h" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution"><span style="font-size: 8pt">17,608</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_ziUDsF9cXFid" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(20,194)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z5mYPKoc7tWk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(229)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zcxQrFzcgGj6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt">2,815</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z1gUNTGBNYpa" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes"><span style="font-size: 8pt">(1,758)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Deferred tax recognized during the year</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zXJD4Gv4EfW" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>741,617</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_ze44ZBCpR3d4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(324,005)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--ReflectedInOci_pn3n3_c20220101__20221231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zPcX8InlXvuc" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>829</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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"> <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: 8pt"><b>Reflected in the statement of profit or loss</b></span></td> <td style="border-bottom: black 1pt solid; 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; width: 33%; text-align: left"> </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: 8pt"><b>2020</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Other</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: 8pt"><b>Constitution</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>Realization</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 9%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Foreign</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>exchange</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Reflected in OCI</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>2021</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> <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="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Provisions for credit losses</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zfIcBrsFjDB1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt">68,155</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zC6jHHtw5jUb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Other"><span style="font-size: 8pt">41</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zrSQ681oMclk" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">197,920</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_zxoW3cCbiAwd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(52,730)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z9URLQxSjqC1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(8,927)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--AllowanceForCreditLossesMember_z7jJoFllT85" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">204,459</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Provision PIS/COFINS - Financial Revenue</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zfaZdLhRAtue" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt">6,398</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_z1TkV5N7PDnc" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(433)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--AllowanceForFinancialRevenueMember_zpqQkNdza1lh" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">5,965</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Other temporary differences</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_ze8mHOFYb5Ek" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt">41,982</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zzoVOqdGF77f" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Other"><span style="font-size: 8pt">585</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zuDbhBIXSMH7" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">52,157</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_z8jaeXU5Cdc6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">(18,394)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zW5mkio0Nb99" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(3,987)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--OtherTemporaryDifferencesMember_zREDX4Rn4EE2" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">72,343</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Total deferred tax assets on temporary differences</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zng9t7XrDGJ4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt"><b>116,535</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z2iTSHJbcjs4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes other"><span style="font-size: 8pt"><b>626</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zdICGypV7M4a" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>250,077</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zwXQS4DeKUM7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(71,124)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_z7dFSxWGvLjd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>(13,347)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__ifrs-full--UnusedTaxCreditsMember_zs6J78JKOAC9" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt"><b>282,767</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Tax loss and negative basis of social contribution</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_znw4tQsQ2UV3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt">8,596</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zbrPvyopymL5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes other"><span style="font-size: 8pt">4,201</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98A_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_zmu3JIuUtAz2" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">67,939</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z7B8tlsAUh17" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(2,751)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--TaxLossAndNegativeBasisOfSocialContributionOneMember_z0YqZ284YgW3" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">77,985</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; width: 33%; text-align: left"><span style="font-size: 8pt"><b>Deferred tax assets</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_98F_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zoigSnBmSP24" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 6%; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt"><b>125,131</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesOther_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_z4w9DhKyKA87" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 8%; text-align: right" title="Deferred income taxes, Other"><span style="font-size: 8pt"><b>4,827</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_982_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zjboXWdy7M56" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 11%; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>318,016</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_z7NBJDYfDjyf" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 10%; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>(71,124)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zSl6VZwSxbc4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 9%; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>(16,098)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 8%; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxAssetsMember_zexDn1opbNZc" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 8%; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt"><b>360,752</b></span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Futures settlement market</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_z7tckAG13uw8" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(19,137)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_z54EZTqztiN7" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">287</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FuturesSettlementMarketMember_zgnvCHazQYa1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">(18,850)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Fair value changes - financial instruments</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_z33vuCHY7D17" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt">(8,741)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_980_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zKZzpCd7bIf1" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(170)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zyNn3HlrUvK4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">5,544</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zutYKuDdrQnb" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">(82)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zgbC17ZpPyd" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt">1,305</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstrumentsOneMember_zZNbdVdiO1Ua" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">(2,144)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Others</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zrNKGxIddwQ6" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt">(14,524)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98D_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zZvOcT8dZOKd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt">4,744</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_987_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zaAVAr6PLNMb" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt">1,440</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_986_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--OtherMember_zFuma2bBjQE4" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt">(8,340)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Deferred tax liabilities</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zMWfI4JBoLXg" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Beginning"><span style="font-size: 8pt"><b>(8,741)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>-</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zvck50hCocgh" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution1"><span style="font-size: 8pt"><b>(33,831)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zXF6TSmvne0f" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Realization1"><span style="font-size: 8pt"><b>10,288</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98C_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zGdXIDSBxkd" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Foreign Exchange1"><span style="font-size: 8pt"><b>1,645</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98F_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zr2juiQEdKcg" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt"><b>1,305</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_983_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--DeferredTaxLiabilitiesMember_zfpRpD1vVwPc" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes, Ending"><span style="font-size: 8pt"><b>(29,334)</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> <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="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt">Fair value changes - cash flow hedge</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_981_ecustom--DeferredIncomeTaxes_iS_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zJZ1Qb7HFdwa" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Beginning balance"><span style="font-size: 8pt">32</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_984_ecustom--DeferredIncomeTaxesConstitution_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zfh3T4TXmUJ1" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred Income Taxes Constitution"><span style="font-size: 8pt">1,305</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">-</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxesForeignExchange1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zdN7GSVR0WA5" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Foreign exchange"><span style="font-size: 8pt">(280)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98B_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_z2qrtydFXcEk" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Reflected in OCI"><span style="font-size: 8pt">1,025</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_989_ecustom--DeferredIncomeTaxes_iE_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--FairValueChangesFinancialInstruments1Member_zzsK4mEOEVS4" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes. Ending balance"><span style="font-size: 8pt">1,057</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; vertical-align: top; text-align: left"><span style="font-size: 8pt"><b>Deferred tax recognized during the year</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_98E_ecustom--DeferredIncomeTaxesConstitution1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zRXgYLIdHFB8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Constitution"><span style="font-size: 8pt"><b>285,490</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_988_ecustom--DeferredIncomeTaxesRealization1_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_z8rQnowWCtv2" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Realization"><span style="font-size: 8pt"><b>(60,836)</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_985_ecustom--ReflectedInOci_pn3n3_c20210101__20211231__ifrs-full--TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis__custom--UnusedTaxCreditsOneMember_zLhkilFCq2Y8" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right" title="Deferred income taxes, Reflected in OCI"><span style="font-size: 8pt"><b>2,330</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </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; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Other temporary differences are composed mainly by other provisions and supplier provisions.</td></tr> </table> | |
| CY2023 | ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.40 | pure |
| ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.41 | pure | |
| CY2021 | ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.45 | pure |
| CY2023 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
1539078000 | usd |
| CY2022 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
-308901000 | usd |
| CY2021 | nu |
Net Loss Before Income Tax
NetLossBeforeIncomeTax
|
-170164000 | usd |
| CY2023 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
0.40 | 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 |
| CY2023 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
-615631000 | usd |
| CY2022 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
126649000 | usd |
| CY2021 | nu |
Income Tax Benefit
IncomeTaxBenefit
|
76574000 | usd |
| CY2023 | nu |
Sharebased Payments
SharebasedPayments
|
-16880000 | usd |
| CY2022 | nu |
Sharebased Payments
SharebasedPayments
|
-11757000 | usd |
| CY2021 | nu |
Sharebased Payments
SharebasedPayments
|
-41418000 | usd |
| CY2023 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-11342000 | usd |
| CY2022 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-9112000 | usd |
| CY2021 | nu |
Operational Losses And Others
OperationalLossesAndOthers
|
-6385000 | 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 |
| CY2023 | nu |
Effect Of Different Tax Rates Subsidiaries And Parent Company
EffectOfDifferentTaxRatesSubsidiariesAndParentCompany
|
80128000 | 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 |
| CY2023 | nu |
Interest On Capital
InterestOnCapital
|
32731000 | usd |
| CY2023 | nu |
Other Amounts
OtherAmounts
|
22446000 | usd |
| CY2022 | nu |
Other Amounts
OtherAmounts
|
18568000 | usd |
| CY2021 | nu |
Other Amounts
OtherAmounts
|
-10603000 | usd |
| CY2023 | nu |
Income Tax1
IncomeTax1
|
-508548000 | usd |
| CY2022 | nu |
Income Tax1
IncomeTax1
|
-55733000 | usd |
| CY2021 | nu |
Income Tax1
IncomeTax1
|
2500000 | usd |
| CY2023 | nu |
Current Tax Expense
CurrentTaxExpense
|
-1184230000 | usd |
| CY2022 | nu |
Current Tax Expense
CurrentTaxExpense
|
-473345000 | usd |
| CY2021 | nu |
Current Tax Expense
CurrentTaxExpense
|
-219824000 | usd |
| CY2023 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
675682000 | usd |
| CY2022 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
417612000 | usd |
| CY2021 | nu |
Deferred Tax Benefit
DeferredTaxBenefit
|
224654000 | usd |
| CY2023 | nu |
Income Tax In Statement Of Profit Or Loss
IncomeTaxInStatementOfProfitOrLoss
|
-508548000 | 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 |
| CY2023 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
1666000 | usd |
| CY2022 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
829000 | usd |
| CY2021 | nu |
Deferred Tax Recognized In Oci
DeferredTaxRecognizedInOci
|
-2330000 | usd |
| CY2023 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.330 | pure |
| CY2022 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.180 | pure |
| CY2021 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.028 | pure |
| CY2023 | nu |
Disclosue Of Equity
DisclosueOfEquity
|
<p id="xdx_809_ecustom--DisclosueOfEquity_zJ9P50A9PZ76" style="font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">30. <span><span id="xdx_821_zuDqsfp61GKb">Equity</span></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, 2023, 2022 and 2021.</p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--ScheduleOfSharesIssuedAndFullyPaidAndSharesAuthorizedByClassTableTextBlock_zzPL0McY3LF4" 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; vertical-align: bottom; text-align: justify"><span id="xdx_8B3_zPTlW0Nxbug2" style="display: none">Schedule of changes in shares issued and fully paid and shares authorized</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td id="xdx_4B6_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--OrdinarySharesMember_z0FsRmbbY5za" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B4_ifrs-full--ClassesOfShareCapitalAxis_ifrs-full--PreferenceSharesMember_zXTHZw1Nb3Cj" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B7_ifrs-full--ClassesOfShareCapitalAxis_custom--SeniorPreferredSharesMember_z4wd0oUcFCHe" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B9_ifrs-full--ClassesOfShareCapitalAxis_custom--ManagementSharesMember_z6lsfUAL2WCk" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B0_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_z6a4cqS7zMP2" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B2_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zIKjhxOEiDT" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4B5_ztOM5mFfvBK2" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: justify"> </td> <td id="xdx_4BC_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zFcXIhlxYmBk" style="padding: 2pt; text-align: center"> </td></tr> <tr style="background-color: white"> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 30%; text-align: justify"><span style="font-size: 8pt"><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: 3%; text-align: center"><span style="font-size: 8pt"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Ordinary shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Preferred shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Senior preferred shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><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: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 8pt 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: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 8pt 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: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 9%; text-align: center"><span style="font-size: 8pt"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr id="xdx_431_c20210101__20211231_ecustom--Equity1_iS_pn3n3_zZ4omXiRAEC3" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt"><b>Total as of December 31, 2020</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>222,657,093</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: 8pt"><b>422,057,050</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: 8pt"><b>16,795,799</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: 8pt"><b>2,500</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6735">-</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6736">-</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: 8pt"><b>661,512,442</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: 8pt"><b>3,969,074,652</b></span></td></tr> <tr id="xdx_40B_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zjPTqnIhfK2h" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">SOPs exercised and RUSs vested</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,314,494</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6741">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6742">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6743">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">15,600,346</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6745">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">21,914,840</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">131,489,040</span></td></tr> <tr id="xdx_406_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zno44zgkn48" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(320,866)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6750">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6751">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6752">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(384,278)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6754">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(705,144)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(4,230,864)</span></td></tr> <tr id="xdx_40B_ecustom--ChangesInEquityOne_pn3n3_zOyDvoWDVCla" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Shares repurchased</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(203,643)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6759">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6760">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6761">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6762">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6763">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(203,643)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(1,221,858)</span></td></tr> <tr id="xdx_40F_ecustom--IssuanceOfPreferredSharesSeriesGOne_pn3n3_zt1smDS79a6h" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of preferred shares (Series G)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6767">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">11,758,704</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6769">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6770">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6771">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6772">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">11,758,704</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">70,552,224</span></td></tr> <tr id="xdx_402_ecustom--ConversionOfSeniorPreferredSharesSeriesF1One_pn3n3_zHkXtUrguNy2" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Conversion of senior preferred shares (Series F-1)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6776">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">16,795,799</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(16,795,799)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6779">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6780">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6781">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6782">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6783">-</span></span></td></tr> <tr id="xdx_40C_ecustom--IssuanceOfPreferredSharesDueToEasynvestBusinessCombinationOne_pn3n3_zXxWxl5gW15g" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of preferred shares due to Easynvest business combination</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6785">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,019,426</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6787">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6788">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6789">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6790">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,019,426</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">48,116,556</span></td></tr> <tr id="xdx_40C_ecustom--IssuanceOfPreferredSharesseries_pn3n3_zCKdaSlN6IY6" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of preferred shares(Series G-1)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6794">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,002,809</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6796">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6797">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6798">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6799">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,002,809</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">60,016,854</span></td></tr> <tr id="xdx_406_ecustom--ConversionOfOrdinarySharesInClassShares_pn3n3_ziiFSJkwzRKc" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Conversion of ordinary shares in class A shares</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(228,447,078)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6804">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6805">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6806">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">228,447,078</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6808">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6809">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6810">-</span></span></td></tr> <tr id="xdx_40E_ecustom--ConversionOfClassSharesInClassBShares_pn3n3_znUOlPOZTjxh" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Conversion of class A shares in class B shares</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6812">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6813">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6814">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6815">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(184,110,692)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">184,110,692</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6818">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6819">-</span></span></td></tr> <tr id="xdx_407_ecustom--AwardsIssued_pn3n3_zxANNeXsx0Ae" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Awards issued</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6821">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6822">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6823">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6824">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6825">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,596,827</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,596,827</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">45,580,962</span></td></tr> <tr id="xdx_40E_ecustom--IssuanceOfClassSharesCognitectAcquisition_pn3n3_zsBGe3FzFaLc" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of Class A shares - Cognitect acquisition</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6830">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6831">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6832">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6833">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">107,489</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6835">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">107,489</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">644,934</span></td></tr> <tr id="xdx_406_ecustom--IssuanceOfClassSharesSpinPayAcquisition_pn3n3_zK0fJyjDSKV8" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of Class A shares - Spin Pay acquisition</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6839">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6840">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6841">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6842">-</span></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: 8pt">138,415</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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6844">-</span></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: 8pt">138,415</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: 8pt">830,490</span></td></tr> <tr id="xdx_400_ecustom--SubtotalBalancesBefore6for1ForwardShareSplit_pn3n3_z0aqCLNC7Wh4" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt"><b>Subtotal balances before the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6848">-</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: 8pt"><b>468,633,788</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6850">-</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: 8pt"><b>2,500</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: 8pt"><b>59,798,358</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: 8pt"><b>191,707,519</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: 8pt"><b>720,142,165</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: 8pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_40D_ecustom--IssuanceOfSharesDueTo6for1ForwardShareSplit_pn3n3_ztJK7UNehPha" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of shares due to the 6-for-1 forward share split</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6857">-</span></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: 8pt">2,343,168,940</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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6859">-</span></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: 8pt">12,500</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: 8pt">298,991,790</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: 8pt">958,537,595</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: 8pt">3,600,710,825</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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6864">-</span></span></td></tr> <tr id="xdx_405_ecustom--SubtotalBalancesAfter6for1ForwardShareSplit_pn3n3_zxy3lJmiAu95" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt"><b>Subtotal balances after the 6-for-1 forward share split</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6866">-</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: 8pt"><b>2,811,802,728</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6868">-</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: 8pt"><b>15,000</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: 8pt"><b>358,790,148</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: 8pt"><b>1,150,245,114</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: 8pt"><b>4,320,852,990</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: 8pt"><b>4,320,852,990</b></span></td></tr> <tr id="xdx_40A_ecustom--PreferredSharesConvertedIntoClassShares_pn3n3_zPxnI3krlDwe" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Preferred shares converted into class A shares</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6875">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(2,811,802,728)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6877">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6878">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,811,802,728</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6880">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6881">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6882">-</span></span></td></tr> <tr id="xdx_40D_ecustom--CancelationOfManagementShares_pn3n3_zVUs7f4aXPBf" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Cancelation of management shares</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6884">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6885">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6886">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(15,000)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6888">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6889">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(15,000)</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(15,000)</span></td></tr> <tr id="xdx_40D_ecustom--IssuanceOfSharesUnderCustomerProgram1_pn3n3_zaxUx45zvNYk" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of shares under the customer program</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6893">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6894">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6895">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6896">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,259,613</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6898">-</span></span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,259,613</span></td> <td style="padding: 2pt; text-align: justify"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,259,613</span></td></tr> <tr id="xdx_40F_ecustom--OtherIssuanceOfSharesUnderIpo_pn3n3_zaoi0woMf6cl" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt">Issuance of shares under the IPO</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6902">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6903">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6904">-</span></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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6905">-</span></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: 8pt">287,890,942</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: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6907">-</span></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: 8pt">287,890,942</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: 8pt">287,890,942</span></td></tr> <tr id="xdx_40A_ecustom--MovementsDueToIpo_pn3n3_zqsFHXudrFB9" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"><span style="font-size: 8pt"><b>Movements due to the IPO</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: justify"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6911">-</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: 8pt"><b>(2,811,802,728)</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6913">-</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: 8pt"><b>(15,000)</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: 8pt"><b>3,100,953,283</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: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6916">-</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: 8pt"><b>289,135,555</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: 8pt"><b>289,135,555</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="border-bottom: black 1pt solid; padding: 2pt; width: 30%; text-align: left"><span style="font-size: 8pt"><b>Shares authorized and fully issued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 3%; text-align: center"><span style="font-size: 8pt"><b>Note</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 6%; text-align: center"><span style="font-size: 8pt"><b>Ordinary shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Preferred shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Senior preferred shares</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 7%; text-align: center"><span style="font-size: 8pt"><b>Management shares</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 7%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></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: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 9%; text-align: center"><span style="font-size: 8pt"><b>Total after 6-for-1 forward share split</b></span></td></tr> <tr id="xdx_439_c20220101__20221231_ecustom--Equity1_iS_pn3n3_zIza3Z8tiow1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total as of December 31, 2021</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="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6921">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6922">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6923">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6924">-</span></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>3,459,743,431</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>1,150,245,114</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>4,609,988,545</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>4,609,988,545</b></span></td></tr> <tr id="xdx_400_ecustom--ConversionOfSharesClassBTo_pn3n3_z2TOps18Jr56" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Conversion of shares class B to A</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6930">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6931">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6932">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6933">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">58,312,073</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(58,312,073)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6936">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6937">-</span></span></td></tr> <tr id="xdx_407_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zr6hh7LXzaLa" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">SOPs exercised and RSUs vested</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6939">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6940">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6941">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6942">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">64,418,580</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6944">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">64,418,580</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">64,418,580</span></td></tr> <tr id="xdx_408_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zeQu0y2M9UEi" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6948">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6949">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6950">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6951">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6953">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,536,770)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(8,536,770)</span></td></tr> <tr id="xdx_40B_ecustom--IssuanceOfClassSharesCognitectAndJuntosAcquisitions_pn3n3_zlZKD4tzEYre" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of class A shares - Cognitect and Juntos acquisitions</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6957">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6958">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6959">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6960">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,362,201</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6962">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,362,201</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">1,362,201</span></td></tr> <tr id="xdx_406_ecustom--IssuanceOfSharesDueToIpoOverallotment_pn3n3_zI1WYr93Ymb7" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of shares due to IPO over-allotment</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="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6966">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6967">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6968">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6969">-</span></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">27,555,298</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 style="-sec-ix-hidden: xdx2ixbrl6971">-</span></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">27,555,298</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">27,555,298</span></td></tr> <tr id="xdx_431_c20230101__20231231_ecustom--Equity1_iS_pn3n3_z6L3dqEj5hUl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total as of December 31, 2022</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="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6975">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6976">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6977">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl6978">-</span></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>3,602,854,813</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>1,091,933,041</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>4,694,787,854</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>4,694,787,854</b></span></td></tr> <tr id="xdx_401_ecustom--ConversionOfClassBSharesInClassShares_pn3n3_zi3TAEz1bdle" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Conversion of class B shares in class A shares</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6984">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6985">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6986">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6987">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,620,899</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,620,899)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6990">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6991">-</span></span></td></tr> <tr id="xdx_40B_ecustom--SOPsExercisedAndRUSsVested_pn3n3_zhSlxcbmmUl5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">SOPs exercised and RSUs vested</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6993">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6994">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6995">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6996">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">68,312,944</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl6998">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">68,312,944</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">68,312,944</span></td></tr> <tr id="xdx_40A_ecustom--SharesWithheldForEemployeesTaxes_pn3n3_zLGjlBYkPRl6" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Shares withheld for employees' taxes</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>10</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7002">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7003">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7004">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7005">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,848,203)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7007">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,848,203)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(8,848,203)</span></td></tr> <tr id="xdx_405_ecustom--ChangesInEquityOne_pn3n3_zUpDtUzUYRmb" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Shares repurchased</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7011">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7012">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7013">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7014">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(290,676)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7016">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(290,676)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(290,676)</span></td></tr> <tr id="xdx_40E_ecustom--ShareIssuedToServiceProviders_pn3n3_zz3PVSCB1ade" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share issued to service providers</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7020">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7021">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7022">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7023">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,355,374</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7025">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,355,374</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,355,374</span></td></tr> <tr id="xdx_406_ecustom--IssuanceOfClassSharesOliviaAcquisition_pn3n3_zcdvVwQFQTRd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of class A shares - Olivia acquisition</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7029">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7030">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7031">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7032">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,097,262</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7034">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,097,262</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">6,097,262</span></td></tr> <tr id="xdx_408_ecustom--IssuanceOfClassSharesSpinPayAcquisition_pn3n3_zraA99GAiTE3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of class A shares - Spin Pay acquisition</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: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7038">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7039">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7040">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7041">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">877,665</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7043">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">877,665</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">877,665</span></td></tr> <tr id="xdx_405_ecustom--IssuanceOfClassSharesCognitectAcquisition_pn3n3_zhfowwB9gekl" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Issuance of class A shares - Cognitect acquisition</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="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7047">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7048">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7049">-</span></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7050">-</span></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">644,934</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 style="-sec-ix-hidden: xdx2ixbrl7052">-</span></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">644,934</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">644,934</span></td></tr> <tr id="xdx_43A_c20230101__20231231_ecustom--Equity1_iE_pn3n3_z6CN4uFr31Mh" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total as of December 31, 2023</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="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl7056">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl7057">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl7058">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span style="-sec-ix-hidden: xdx2ixbrl7059">-</span></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>3,682,625,012</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>1,083,312,142</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>4,765,937,154</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>4,765,937,154</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"> </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"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_4BD_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassAOrdinarySharesMember_zxzrdK9NVkCi" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_4B0_ifrs-full--ClassesOfShareCapitalAxis_custom--ClassBOrdinarySharesMember_zo58Ov9Uc0y6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_4BE_zd1aTRdwYNx7" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_4B8_ifrs-full--ClassesOfShareCapitalAxis_custom--TotalAfter6For1ForwardShareSplitMember_zod7KV6mYRU4" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 48%; text-align: left"><span style="font-size: 8pt"><b>Shares authorized and unissued</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class A</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 12%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Class B</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Ordinary shares</b></p></td> <td style="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>Total</b></span></td> <td style="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>Total after 6-for-1 forward share split</b></span></td></tr> <tr id="xdx_43D_c20231231__ifrs-full--ClassesOfLiabilitiesAxis__ifrs-full--ContingentConsiderationMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zSE4I0boWru3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Business combination - contingent share consideration</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7065">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7066">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,920,149</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,683,513</span></td></tr> <tr id="xdx_434_c20231231__ifrs-full--ClassesOfLiabilitiesAxis__custom--ReservedForTheShareBasedPaymentsMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zJyM4QgaeAf8" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Reserved for the share-based payments</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7070">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7071">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">329,196,802</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">397,521,998</span></td></tr> <tr id="xdx_43D_c20231231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedWhichMayBeIssuedClassAOrClassBMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_z5OdL4o8ksca" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Shares authorized which may be issued class A or class 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"><span style="-sec-ix-hidden: xdx2ixbrl7075">-</span></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 style="-sec-ix-hidden: xdx2ixbrl7076">-</span></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">43,505,387,105</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">43,500,447,845</span></td></tr> <tr id="xdx_434_c20231231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedAndUnissuedMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zxbVNuz9034c" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Shares authorized and unissued as of December 31, 2023</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><span style="-sec-ix-hidden: xdx2ixbrl7080">-</span></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><span style="-sec-ix-hidden: xdx2ixbrl7081">-</span></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>43,837,504,056</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>43,908,653,356</b></span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_433_c20231231__ifrs-full--ClassesOfLiabilitiesAxis__custom--SharesAuthorizedIssueMember_ecustom--SharesAuthorizedAndUnissued_iI_pip0_zPhDAJ8IWImg" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Shares authorized issued</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>3,682,625,012</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>1,083,312,142</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>4,765,937,154</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>4,694,787,854</b></span></td></tr> <tr id="xdx_401_ecustom--SharesAuthorizedAndUnissuedTotalShare_iI_pip0_zM2dXbaFpH59" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total as of December 31, 2023</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><span style="-sec-ix-hidden: xdx2ixbrl7090">-</span></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><span style="-sec-ix-hidden: xdx2ixbrl7091">-</span></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>48,603,441,210</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>48,603,441,210</b></span></td></tr> </table> <p id="xdx_8AF_zOgrKJkqbL98" 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">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: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </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 <span id="xdx_905_ecustom--AdditionalOrdinarySharesIssued_iI_pip0_c20220131__ifrs-full--ClassesOfOrdinarySharesAxis__custom--OrdinaryClassASharesMember_zT9gJrn1RW1h" title="Additional ordinary shares issued">27,555,298</span> 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">In May 2023, the Company concluded private issuances of a total <span id="xdx_90F_eifrs-full--NumberOfSharesIssued_iI_pip0_c20230531__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassASharesMember_zizfQjsNQZPi" title="Shares issued">4,355,374</span> Class A shares as consideration paid to acquire services.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2023, 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_903_ecustom--NominalParValue_pip0_c20230101__20231231_zJrW5lbzk15f" title="Nominal par shares"><span id="xdx_90F_ecustom--NominalParValue_pip0_c20220101__20221231_za9eohxf96oe" title="Nominal par shares">0.0000067</span></span> on December 31, 2023 and 2022, and the total amount of share capital was US$<span id="xdx_90F_ecustom--ShareCapital_iI_pn3n3_c20231231_z6YfY4yYsdkj" title="Total amount share capital">84</span> (US$<span id="xdx_909_ecustom--ShareCapital_iI_pn3n3_c20221231_zfGZTXIMH9V7" title="Total amount share capital">83</span> as of December 31, 2022 and 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: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The total of exercised Stock Options (SOP) was US$<span id="xdx_906_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20230101__20231231_zBe9fC8Hvylg" title="Total exercised stock options">9,148</span> for the year ended on December 31, 2023 (US$<span id="xdx_904_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20220101__20221231_z7rJzRQGyr4l" title="Total exercised stock options">4,505</span> US$<span id="xdx_906_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20210101__20211231_zbUV6mAsIBCl" title="Total exercised stock options">12,252</span> as of December 31, 2022 and 2021, respectively).</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">c) Issuance of shares</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The following table presents the amount in US$ of shares issued, increase in capital and premium reserve in transactions other than business combinations, the exercise of the SOPs and vesting of RSUs in the years ended December 31, 2023, 2022 and 2021:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfSharesIssuedIncreaseInCapitalAndPremiumTableTextBlock_z2GtiyXbLdJl" 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_zPBJNIr6FdX6" style="display: none">Schedule of 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> <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>Capital and share premium reserve</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 55%; text-align: center; line-height: 115%"><span style="font-size: 8pt; line-height: 115%"><b>Event</b></span></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>2023</b></span></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 style="background-color: #E8E7FC"> <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_988_ecustom--IssuanceOfShares_iI_pip0_c20231231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--CustomerProgramMember_zaorxtqmYMA3" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7116">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--IssuanceOfShares_iI_pip0_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--CustomerProgramMember_z8cQn2LrK3bb" 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> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--IssuanceOfShares_iI_pip0_c20211231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--CustomerProgramMember_zVmuyRpEdGsl" 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: white"> <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_980_ecustom--IssuanceOfShares_iI_pip0_c20231231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesF1Member_zBo37mYZ7l37" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7122">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98F_ecustom--IssuanceOfShares_iI_pip0_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesF1Member_zPSi2DiXSi1g" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7124">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98D_ecustom--IssuanceOfShares_iI_pip0_c20211231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesF1Member_zH5x9Mi31Ftg" 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: #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)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--IssuanceOfShares_iI_pip0_c20231231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesGMember_zvnJSjYt16z4" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7128">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--IssuanceOfShares_iI_pip0_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesGMember_zqLYczAV3Zje" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7130">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--IssuanceOfShares_iI_pip0_c20211231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesGMember_zKFaOZa7ZN48" 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%">Issuance of preferred shares (Series G-1)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IssuanceOfShares_iI_pip0_c20231231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesG1Member_znjThqfZCEYg" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7134">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_983_ecustom--IssuanceOfShares_iI_pip0_c20221231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesG1Member_zbpK5jHaSn66" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7136">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_986_ecustom--IssuanceOfShares_iI_pip0_c20211231__ifrs-full--ClassesOfOrdinarySharesAxis__custom--SeriesG1Member_zMIw2N1ezEjj" 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%">Customer program and IPO (note 1b)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98B_ecustom--IssuanceOfShares_iI_pip0_c20231231_zYTPPF8vdKmd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7140">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_982_ecustom--IssuanceOfShares_iI_pip0_c20221231_zM12fKpuIoNd" style="padding: 2pt; text-align: right; line-height: 115%" title="Issuance of shares"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7142">-</span></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98E_ecustom--IssuanceOfShares_iI_pip0_c20211231_zqmXET3w5541" 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 id="xdx_8A4_zHQe6kiMoAb7" 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">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$400,000. As a result of the transaction, 10,002,809 Series G-1 preferred shares (60,016,854 after the 6-for-1 forward share split) were issued.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In January 2022, Nu Holdings issued 27,555,298 ordinary Class A shares and raised proceeds of US$<span id="xdx_905_eifrs-full--ProceedsFromExerciseOfOptions_pn3n3_c20220101__20220131__custom--SaleOfStockAxis__custom--UnderwritersMember__ifrs-full--ClassesOfShareCapitalAxis__custom--ClassACommonSharesMember_zVgyPy6x9N36" 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 ("Green Shoe"), related to the IPO in December 2021.</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 of 2023 and 2022.</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">d) Accumulated gains (losses)</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The accumulated gains (losses) include the accumulated profit (losses) of the Group and 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_89A_ecustom--ScheduleOfAccumulatedLossesTableTextBlock_zPT08tjWyKY3" 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"><span id="xdx_8B1_zIJQTmBd8oJd" style="display: none">Schedule of accumulated losses</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_491_20230101__20231231_zzwOzFE1GXz2" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_498_20220101__20221231_z6E0P7Pr7Zgh" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left"> </td> <td id="xdx_490_20210101__20211231_zuKjWf0jYE3e" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left"> </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>2023</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>2022</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 14%; background-color: white; text-align: center"><span style="font-size: 8pt"><b>2021</b></span></td></tr> <tr id="xdx_40D_ecustom--AccumulatedGainsLosses_pn3n3_z8bdfOP7zYe5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Accumulated gains (losses)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">329,468</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">(701,062)</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">(336,484)</span></td></tr> <tr id="xdx_40D_ecustom--SharebasedPaymentsReserve_pn3n3_zVR04maDw8ob" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Share-based payments reserve</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">947,481</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">765,639</span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt">208,075</span></td></tr> <tr id="xdx_404_ecustom--TotalAttributableToShareholdersOfParentCompany_pn3n3_zJXXuDFtwGee" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>Total attributable to shareholders of the parent company</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>1,276,949</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>64,577</b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>(128,409)</b></span></td></tr> <tr id="xdx_402_ecustom--AccumulatedLossesAttributableToNoncontrollingInterests_pn3n3_zGYkeizJ0nX8" style="vertical-align: bottom"> <td style="padding: 2pt; background-color: white; text-align: left"><span style="font-size: 8pt">Accumulated profit (loss) attributable to non-controlling interests</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 style="-sec-ix-hidden: xdx2ixbrl7163">-</span></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 style="-sec-ix-hidden: xdx2ixbrl7164">-</span></span></td> <td style="padding: 2pt; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; background-color: white; text-align: right"><span style="font-size: 8pt">(341)</span></td></tr> <tr id="xdx_408_ecustom--TotalAccumulatedLosses_pn3n3_z0WsBDXflRpj" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>Total accumulated losses</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><span style="-sec-ix-hidden: xdx2ixbrl7167">-</span></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><span style="-sec-ix-hidden: xdx2ixbrl7168">-</span></b></span></td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: right"><span style="font-size: 8pt"><b>(128,750)</b></span></td></tr> </table> <p id="xdx_8AE_zRUDSa7Jp9U4" 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">e) Shares repurchased and withheld</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Shares may be repurchased from certain former employees when they leave the Group, as a result of contractual terms of deferred payments on business combinations, 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 year ended December 31, 2023, 2022 and 2021, the following shares were repurchased:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfSharesRepurchasedTableTextBlock_zHE814FlomDd" 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"><span id="xdx_8B1_zKVP0XRKypti" style="display: none">Schedule of shares repurchased</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_490_20230101__20231231_zv8TxXWoEqr6" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49A_20220101__20221231_zJIEaQIBy1ti" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_49E_20210101__20211231_zhtVYCfo9bVa" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left"> </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>2023</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>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></tr> <tr id="xdx_403_ecustom--NumberOfSharesRepurchased_pip0_zn5EehY1uju" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Number of shares repurchased</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">290,676</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7174">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,221,858</span></td></tr> <tr id="xdx_40E_ecustom--TotalValueOfSharesRepurchased_pip0_zFbRAIYmgD9f" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Total value of shares repurchased</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7177">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7178">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,607</span></td></tr> <tr id="xdx_400_ecustom--NumberOfSharesWithheldRsu_pip0_zjaS4ljB9akf" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Number of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,848,203</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,536,770</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,230,864</span></td></tr> <tr id="xdx_403_ecustom--TotalValueOfSharesWithheldRsu_pip0_zTangOvtm0nj" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Total value of shares withheld - RSU</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">52,242</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">51,212</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">18,299</span></td></tr> </table> <p id="xdx_8A0_zbpl4YfXNhyc" 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">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; text-align: justify">The accumulated balances are as follows:</p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--ScheduleOfAccumulatedOtherComprehensiveIncomeTableTextBlock_pn3n3_zZHkP1EZh7k4" 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-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8BB_zUmFjJoZTEo7" style="display: none">Schedule of accumulated balances</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_492_20230101__20231231_zJAoJWw9Cb5j" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231_zO9XBFJTSjfj" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_498_20210101__20211231_z6O15pWI2Fp" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left"> </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>2023</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>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></tr> <tr id="xdx_403_ecustom--CashFlowHedgeEffectsNetOfDeferredTaxes_pn3n3_z9N9cjrcgHs1" 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">12,417</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></tr> <tr id="xdx_40D_ecustom--AccumlatedCurrencyTranslationOnForeignEntities_pn3n3_zMM4wZSDYsqe" 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">135,497</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></tr> <tr id="xdx_40C_ecustom--ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes_pn3n3_zT8ARkJ5xxVa" 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">7,998</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></tr> <tr id="xdx_40B_ecustom--OwnCreditAdjustmentEffects_pn3n3_zHimsoMnvav5" 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">518</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></tr> <tr id="xdx_407_ecustom--TotalAccumulatedBalances_pn3n3_z7YOiccIC2d5" 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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>156,430</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>(137,651)</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>(109,227)</b></span></td></tr> </table><p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> | |
| 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 |
| CY2023 | nu |
So Ps Exercised And Ru Ss Vested
SOPsExercisedAndRUSsVested
|
68312944000 | usd |
| CY2023 | nu |
Shares Withheld For Eemployees Taxes
SharesWithheldForEemployeesTaxes
|
-8848203000 | usd |
| CY2023 | nu |
Changes In Equity One
ChangesInEquityOne
|
-290676000 | usd |
| CY2023 | nu |
Share Issued To Service Providers
ShareIssuedToServiceProviders
|
4355374000 | usd |
| CY2023 | nu |
Issuance Of Class Shares Olivia Acquisition
IssuanceOfClassSharesOliviaAcquisition
|
6097262000 | usd |
| CY2023 | nu |
Issuance Of Class Shares Spin Pay Acquisition
IssuanceOfClassSharesSpinPayAcquisition
|
877665000 | usd |
| CY2023 | nu |
Issuance Of Class Shares Cognitect Acquisition
IssuanceOfClassSharesCognitectAcquisition
|
644934000 | usd |
| CY2023Q4 | nu |
Equity1
Equity1
|
4765937154000 | usd |
| CY2023 | nu |
Nominal Par Value
NominalParValue
|
0.0000067 | |
| CY2022 | nu |
Nominal Par Value
NominalParValue
|
0.0000067 | |
| CY2023Q4 | nu |
Share Capital
ShareCapital
|
84000 | usd |
| CY2022Q4 | nu |
Share Capital
ShareCapital
|
83000 | usd |
| CY2023 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
9148000 | usd |
| CY2022 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
4505000 | usd |
| CY2021 | ifrs-full |
Proceeds From Exercise Of Options
ProceedsFromExerciseOfOptions
|
12252000 | usd |
| CY2021Q4 | nu |
Issuance Of Shares
IssuanceOfShares
|
2602026 | shares |
| CY2023 | nu |
Accumulated Gains Losses
AccumulatedGainsLosses
|
329468000 | usd |
| CY2022 | nu |
Accumulated Gains Losses
AccumulatedGainsLosses
|
-701062000 | usd |
| CY2021 | nu |
Accumulated Gains Losses
AccumulatedGainsLosses
|
-336484000 | usd |
| CY2023 | nu |
Sharebased Payments Reserve
SharebasedPaymentsReserve
|
947481000 | usd |
| CY2022 | nu |
Sharebased Payments Reserve
SharebasedPaymentsReserve
|
765639000 | usd |
| CY2021 | nu |
Sharebased Payments Reserve
SharebasedPaymentsReserve
|
208075000 | usd |
| CY2023 | nu |
Total Attributable To Shareholders Of Parent Company
TotalAttributableToShareholdersOfParentCompany
|
1276949000 | 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 |
| CY2021 | nu |
Accumulated Losses Attributable To Noncontrolling Interests
AccumulatedLossesAttributableToNoncontrollingInterests
|
-341000 | usd |
| CY2021 | nu |
Total Accumulated Losses
TotalAccumulatedLosses
|
-128750000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
133643000 | usd |
| CY2023 | nu |
Number Of Shares Repurchased
NumberOfSharesRepurchased
|
290676 | shares |
| CY2021 | nu |
Number Of Shares Repurchased
NumberOfSharesRepurchased
|
1221858 | shares |
| CY2021 | nu |
Total Value Of Shares Repurchased
TotalValueOfSharesRepurchased
|
4607 | shares |
| CY2023 | nu |
Number Of Shares Withheld Rsu
NumberOfSharesWithheldRsu
|
8848203 | shares |
| CY2022 | nu |
Number Of Shares Withheld Rsu
NumberOfSharesWithheldRsu
|
8536770 | shares |
| CY2021 | nu |
Number Of Shares Withheld Rsu
NumberOfSharesWithheldRsu
|
4230864 | shares |
| CY2023 | nu |
Total Value Of Shares Withheld Rsu
TotalValueOfSharesWithheldRsu
|
52242 | shares |
| CY2022 | nu |
Total Value Of Shares Withheld Rsu
TotalValueOfSharesWithheldRsu
|
51212 | shares |
| CY2021 | nu |
Total Value Of Shares Withheld Rsu
TotalValueOfSharesWithheldRsu
|
18299 | shares |
| CY2023 | nu |
Cash Flow Hedge Effects Net Of Deferred Taxes
CashFlowHedgeEffectsNetOfDeferredTaxes
|
12417000 | usd |
| 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 |
| CY2023 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
135497000 | usd |
| CY2022 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
-108356000 | usd |
| CY2021 | nu |
Accumlated Currency Translation On Foreign Entities
AccumlatedCurrencyTranslationOnForeignEntities
|
-110936000 | usd |
| CY2023 | nu |
Changes In Fair Value Financial Instruments At Fvtoci Net Of Deferred Taxes
ChangesInFairValueFinancialInstrumentsAtFvtociNetOfDeferredTaxes
|
7998000 | 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 |
| CY2023 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
518000 | usd |
| CY2022 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
489000 | usd |
| CY2021 | nu |
Own Credit Adjustment Effects
OwnCreditAdjustmentEffects
|
-1519000 | usd |
| CY2023 | nu |
Total Accumulated Balances
TotalAccumulatedBalances
|
156430000 | usd |
| CY2022 | nu |
Total Accumulated Balances
TotalAccumulatedBalances
|
-137651000 | usd |
| CY2021 | nu |
Total Accumulated Balances
TotalAccumulatedBalances
|
-109227000 | usd |
| CY2023 | nu |
Management Of Financial Risks Financial Instruments And Other Risks
ManagementOfFinancialRisksFinancialInstrumentsAndOtherRisks
|
<p id="xdx_800_ecustom--ManagementOfFinancialRisksFinancialInstrumentsAndOtherRisks_zRcUhBAU4No8" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">31. <span id="xdx_829_zbsNrm4QLJu7">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 Credit, Liquidity, Market, Foreign exchange (FX), Operational, IT and Cyber, Regulatory, Compliance and AML (Anti-money laundering) and Reputational Risk, Interest Rate Risk in the Banking Book (IRRBB) and risk from Cryptocurrency business.</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><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><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><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><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 independent 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><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><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><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><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, wholesale, sustainability risk 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, Liquidity, Market Risk, Foreign exchange (FX), Operational, IT and Cyber, Regulatory, Compliance and AML (Anti-money laundering) and Reputational Risk, Interest Rate Risk in the Banking Book (IRRBB)and risk from Cryptocurrency business. 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><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. 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><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><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><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> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt 0.5in; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span>Estimating the expected losses according to consistent and verifiable criteria.</p> <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 and other exposures to credit risk is shown in the table below:</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfCreditRiskTableTextBlock_pn3n3_zeCPQVSBb186" 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"><span id="xdx_8B4_zg15w0htz9G5" style="display: none">Schedule of outstanding balance of financial assets</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_497_20231231_zbKQIk99M6B4" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: right"> </td> <td id="xdx_492_20221231_zTY95HPq6jOl" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2022</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_405_ecustom--FinancialAssetsAbstract_iB_z3hDmu2ij31g" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets</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></tr> <tr id="xdx_40E_ecustom--CashAndCashEquivalent_iI_pn3n3_zMbYiOWT3Oae" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Cash and cash equivalents</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>5,923,440</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>4,172,316</b></span></td></tr> <tr style="background-color: #E8E7FC"> <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></tr> <tr id="xdx_404_ecustom--Securities_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Securities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">368,574</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">91,853</span></td></tr> <tr id="xdx_40B_ecustom--DerivativeFinancialInstruments_iI_pn3n3" style="background-color: #E8E7FC"> <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 style="padding: 2pt; text-align: right"><span style="font-size: 8pt">20,981</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">41,485</span></td></tr> <tr id="xdx_40D_ecustom--CollateralForCreditCardOperations_iI_pn3n3" style="background-color: white"> <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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt">320</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">305</span></td></tr> <tr id="xdx_405_eifrs-full--FinancialAssetsAtFairValueThroughProfitOrLoss_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at fair value through profit or loss</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>389,875</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>133,643</b></span></td></tr> <tr style="vertical-align: bottom; 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></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <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></tr> <tr id="xdx_40F_ecustom--Securities1_iI_pn3n3_zl2yTHrIoIqd" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Securities</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">8,805,745</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">9,947,138</span></td></tr> <tr id="xdx_40A_eifrs-full--FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_iI_pn3n3" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at fair value through other comprehensive income</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>8,805,745</b></span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>9,947,138</b></span></td></tr> <tr style="vertical-align: bottom; 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></tr> <tr id="xdx_40C_ecustom--Securitie1_iI_pn3n3_zbkrgKBM9ylh" style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 70%; text-align: left"><span style="font-size: 8pt">Securities</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="padding: 2pt; width: 14%; text-align: right"><span style="font-size: 8pt">104,420</span></td> <td style="padding: 2pt; width: 1%; text-align: right"> </td> <td style="padding: 2pt; width: 14%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7244">-</span></span></td></tr> <tr id="xdx_406_ecustom--CreditCardReceivables1_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit card receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">12,414,133</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">8,233,072</span></td></tr> <tr id="xdx_403_ecustom--LoansToCustomers_iI_pn3n3_zOZTdcjamqTj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Loans to customers</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">3,202,334</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,673,440</span></td></tr> <tr id="xdx_40F_ecustom--CompulsoryDepositsAtCentralBanks_iI_pn3n3_zcDDeNxbTjfg" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,447,483</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">2,778,019</span></td></tr> <tr id="xdx_40A_ecustom--OthersReceivable_iI_pn3n3_zLHo8XnSeVW5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,689,030</span></td> <td style="padding: 2pt; text-align: right"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">521,670</span></td></tr> <tr id="xdx_406_eifrs-full--OtherFinancialAssets_iI_pn3n3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other financial 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">131,519</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">478,283</span></td></tr> <tr id="xdx_409_ecustom--FinancialAssetsAtAmortizedCost_iI_pn3n3_zu0JoAsDMymj" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Financial assets at amortized cost</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>24,988,919</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: 8pt"><b>13,684,484</b></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></tr> <tr id="xdx_403_ecustom--OtherExposuresAbstrat_iB_zjMZh5u8CgRe" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Other exposures</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></tr> <tr id="xdx_40D_ecustom--UnusedLimits_iI_pn3n3_zmJrZp4sUYe3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Unused limits (i)</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">16,998,572</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">12,971,982</span></td></tr> <tr id="xdx_405_ecustom--CreditCommitments_iI_pn3n3_zFw1UITtybkd" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Credit Commitments</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>16,998,572</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: 8pt"><b>12,971,982</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Unused limits are not recorded in the statement of financial position but are considered in the measurement of the ECL because it represents credit risk exposure.</td></tr> </table> <p id="xdx_8A5_zQv6lCFWIP1l" 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: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 4.5pt"></td><td style="width: 18pt">●</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> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span>the ability of an entity to fund increases in assets and meet obligations as they come due, without incurring unacceptable losses; and</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 10pt 0.5in; text-align: justify; text-indent: -0.25in; background-color: white">●<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span>the possibility of not being able to easily exit a financial position due to its size compared to the traded volume in the market.</p> <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. For the funding risk management, the gaps between assets and liabilities in term buckets are monitored to assure that the profile of assets is consistent with the liabilities.</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_89B_ecustom--ScheduleOfFundingMaturityTableTextBlock_zC5QZs8BN6bc" 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; text-align: left"><span id="xdx_8B1_z4o39dVnSP4f" style="display: none">Schedule of primary sources of funding - by maturity</span></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> <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> <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: bottom"> <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>2023</b></span></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="border-bottom: black 1pt solid; padding: 2pt; width: 34%; text-align: left"><span style="font-size: 8pt"><b>Funding Sources</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 5%; text-align: center"><span style="font-size: 8pt"><b>%</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Up to 12 months</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%"> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>Over 12</b></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><b>months</b></p></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 8%; text-align: center"><span style="font-size: 8pt"><b>Total</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 5%; text-align: center"><span style="font-size: 8pt"><b>%</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: 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 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="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bank receipt of deposits (RDB) (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--DepositsFromCustomers_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zWrpOc3OSueg" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">20,900,095</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_eifrs-full--DepositsFromCustomers_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zyA6KxTi1bGj" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">154,348</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--TotalMember_ze6KiXrMOgXc" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">21,054,443</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_907_ecustom--DepositsFromCustomers1_dp_c20230101__20231231_zLzJMqa2A9Bk" title="Bank receipt of deposits percentage">94</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z3i38ju6RUW9" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">14,160,805</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zJhAZrP0r8ma" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">113,154</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--DepositsFromCustomers_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z49REb3DjxS6" style="padding: 2pt; text-align: right" title="Bank receipt of deposits"><span style="font-size: 8pt">14,273,959</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_ecustom--DepositsFromCustomers1_dp_c20220101__20221231_zElCeqongnP1" title="Bank receipt of deposits percentage">96</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Borrowings and financing</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zOVu69OhLX95" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">113,595</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_znTLzIx6ZEXf" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">1,022,749</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--TotalMember_zynVnygvsEQi" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">1,136,344</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_905_ecustom--BorrowingsAndFinancingPercentage_dp_c20230101__20231231_z3abjn7trj54" title="Borrowings and financing percentage">5</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zlDSvrOBDIaj" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">38,329</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zKZ0Wr8ZjTN6" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">547,239</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zkDzUk8qifJ" style="padding: 2pt; text-align: right" title="Borrowings and financing"><span style="font-size: 8pt">585,568</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_901_ecustom--BorrowingsAndFinancingPercentage_dp_c20220101__20221231_znNZziIyFaSc" title="Borrowings and financing percentage">4</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bank certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_z9Ln3ZSKXauj" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt">213,707</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zhjTp7Crf0x7" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt">34,379</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--TotalMember_zlALtng1P53e" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt">248,086</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_906_ecustom--BankCertificateOfDepositPercentage_dp_c20230101__20231231_znOlveuAi1fg" title="Bank certificate of deposit percentage">1</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zKHV27Dlft4h" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7316">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_z1CSAOYSm4S8" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7318">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zlO75y7JoG5" style="padding: 2pt; text-align: right" title="Bank certificate of deposit"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7320">-</span></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_ecustom--BankCertificateOfDepositPercentage_dp_c20220101__20221231_z1wwy8a2Lrb9" title="Bank certificate of deposit percentage">0</span>%</span></td></tr> <tr style="background-color: white"> <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_988_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zAXuoM1IEDs8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7324">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--InstrumentsEligibleAsCapital_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zU0TQ5CbYrpi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">3,988</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--TotalMember_zB7b9dFx49e" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt">3,988</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 id="xdx_903_ecustom--InstrumentsEligibleAsCapital1_dp_c20230101__20231231_zQ6T6SvS8Npb" title="Instruments eligible as capital percentage">0</span>%</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zYwkoEDnI6Hh" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Instruments eligible as capital"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7332">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zU3srUfKx6Ig" style="border-bottom: black 1pt solid; 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: left"> </td> <td id="xdx_98E_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_z8lc82whDBk6" style="border-bottom: black 1pt solid; 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: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><span id="xdx_905_ecustom--InstrumentsEligibleAsCapital1_dp_c20220101__20221231_z7AlW845HUhg" title="Instruments eligible as capital percentage">0</span>%</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_98A_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zw69z3SOznl7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>21,227,397</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zCNXjwkuvHFg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>1,215,464</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__custom--TotalMember_zWyZNobddJe4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>22,442,861</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><span id="xdx_901_ecustom--TotalDepositsFromCustomers_dp_c20230101__20231231_zftB2Rzggrtj" title="Total deposits from customers percentage">100</span>%</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotLaterThanTwelvemonthMember_zq66f2uVvbAb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>14,199,134</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--NotOverThanTwelvemonthMember_zgwJIAVrr3Ne" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>671,900</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--DepositsFromCustomersOne_iI_pn3n3_c20221231__ifrs-full--MaturityAxis__custom--TotalMember_zG6xwb0xO3Yj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total deposits from customers"><span style="font-size: 8pt"><b>14,871,034</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><span id="xdx_907_ecustom--TotalDepositsFromCustomers_dp_c20220101__20221231_zb5DuayMxtYi" title="Total deposits from customers percentage">100</span>%</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Considering the earliest date in which the client can withdraw the deposit, although it is not expected that all deposits will be withdrawn at the same time.</td></tr> </table> <p id="xdx_8A2_zLSvXhECFC5g" style="margin-top: 0; margin-bottom: 0"> </p> <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_890_ecustom--ScheduleOfMaturitiesOfFinancialLiabilitiesTableTextBlock_z7FMuPHmD5ta" 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_8BE_z5OLWyBHnO55" style="display: none">Schedule of financial liabilities and 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: 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 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>2023</b></span></td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 34%; 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>Carrying amount</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left; line-height: 115%"> </td> <td style="border-top: black 1pt solid; 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 (iii)</b></span></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%"><b>Financial liabilities</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> <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: 8pt; line-height: 115%">Derivative financial instruments</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_984_ecustom--DerivativeFinancialInstruments_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_z2OjM3UPmtYh" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">28,173</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zNe9CEj9xi6d" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">28,174</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zGnmTPIzzor9" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">54</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zPr8lgEARK84" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7365">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zdSjJEgYPCdh" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%">28,120</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--DerivativeFinancialInstruments_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z92R4JszvX0f" style="padding: 2pt; text-align: right; line-height: 115%" title="Derivative Financial Instruments"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7369">-</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%">Instruments eligible as capital</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_987_ecustom--InstrumentsEligibleAsCapital_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zo1DO9gaUdsk" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">3,988</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zCvVSYFUE6Dj" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">4,276</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 style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--InstrumentsEligibleAsCapital_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zgFSVyS908Ne" style="padding: 2pt; text-align: right; line-height: 115%" title="Instruments Eligible As Capital"><span style="font-size: 8pt; line-height: 115%">4,276</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> <tr style="background-color: white"> <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_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zcMXsV9R3vM4" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">210,454</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_987_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_z476sAPSJiyc" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">210,546</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--RepurchaseAgreements_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zM6tXPlakDLg" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%">210,546</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zygcfhmACsM5" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7383">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zUJKqll8e7Wf" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7385">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--RepurchaseAgreements_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zVWh8LEqvAp1" style="padding: 2pt; text-align: right; line-height: 115%" title="Repurchase Agreements"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7387">-</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%">Deposits in electronic money (i)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_985_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zn7LpRfUtaMc" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zh8b3SQRJUR" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">2,388,601</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98A_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zuqN7UvWQSPb" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%">2,388,601</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_987_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zM0s6GRjlS4e" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7395">-</span></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--DepositsInElectronicMoney_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zWhd4OxFrTL4" style="padding: 2pt; text-align: right; line-height: 115%" title="Deposits In Electronic Money"><span style="font-size: 8pt; line-height: 115%"><span style="-sec-ix-hidden: xdx2ixbrl7397">-</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%">Bank receipt of deposits (RDB) (ii)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_988_ecustom--BankReceiptOfDepositsRDB_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zYdU1cClSjkl" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">21,054,443</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98D_ecustom--BankReceiptOfDepositsRDB_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zkHT8TECUm17" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">21,119,655</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_985_ecustom--BankReceiptOfDepositsRDB_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zKNDtvnqxDYh" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">20,109,727</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BankReceiptOfDepositsRDB_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zjPDfu4EkpD6" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">241,498</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BankReceiptOfDepositsRDB_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zBh8AyTQKCE8" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">595,240</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BankReceiptOfDepositsRDB_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zxyqj2AnJbO5" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank Receipt of Deposits RDB"><span style="font-size: 8pt; line-height: 115%">173,190</span></td></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 certificate of deposit (CDB)</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_981_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_ziKt7qDGnuT7" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">248,086</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_981_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_z4gitaFcmy74" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">265,180</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zFil3RgZcKMd" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">15,937</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_986_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zWbcANdTydP2" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">70,408</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zOvMLTNvvCfh" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">138,419</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98E_ecustom--BankCertificateOfDeposit_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zPrgdYZw5yZ8" style="padding: 2pt; text-align: right; line-height: 115%" title="Bank certificate of deposit"><span style="font-size: 8pt; line-height: 115%">40,416</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 credit card network</span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_980_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zVyoC1vOQsNd" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">9,755,285</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zL1p3jzKFcd3" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">9,769,051</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zFqLjLojQoD2" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">5,361,431</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zY4zmaxsXTPi" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">2,361,563</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zjY3SjQ9Qvj4" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">2,044,883</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--PayablesToCreditCardNetwork_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zax5MojIDbpf" style="padding: 2pt; text-align: right; line-height: 115%" title="Payables to credit card network"><span style="font-size: 8pt; line-height: 115%">1,174</span></td></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_981_ecustom--BorrowingsAndFinancing_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_zj5eH5oKewP6" 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%">1,136,344</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98C_ecustom--BorrowingsAndFinancing_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zCUCLwrRmEd1" 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%">1,290,225</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_ecustom--BorrowingsAndFinancing_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_z2PtGt3whoIf" 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%">14,149</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_984_ecustom--BorrowingsAndFinancing_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zdDQ6cOlUmm7" 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%">21,464</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98F_ecustom--BorrowingsAndFinancing_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zFgMoREUH8ok" 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%">170,006</span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_ecustom--BorrowingsAndFinancing_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zFhWz9q0x41h" 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%">1,084,606</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 Liabilities</b></span></td> <td style="padding: 2pt; text-align: left; line-height: 115%"> </td> <td id="xdx_98A_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--CarryingAmountOneMember_z6IiNlhcS6O" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>34,825,374</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_98B_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zINAniqGDvOg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>35,075,708</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_989_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zWkK44Qh0sX5" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>28,100,445</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_982_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zP77o9Z5Fifc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>2,694,933</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_980_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zryZwO6XWHEc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>2,980,944</b></span></td> <td style="padding: 2pt; text-align: right; line-height: 115%"> </td> <td id="xdx_983_eifrs-full--FinancialLiabilities_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zwFKcxIMxeya" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right; line-height: 115%" title="Total financial liabilities"><span style="font-size: 8pt; line-height: 115%"><b>1,299,386</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 style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">In accordance with regulatory requirements and in guarantee of these deposits, the Group holds the total amount of US$23,050 in eligible securities composed of Brazilian government bonds as described in note 12b, under a dedicated account within the Central Bank of Brazil as of December 31, 2023 (US$2,252,464 as of December 31, 2022).</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(ii)</td> <td style="text-align: justify; width: 97%">Considering the earliest date in which the client can withdraw the deposit, although it is not expected that all deposits will be withdrawn at the same time.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(iii)</td> <td style="text-align: justify; width: 97%">The gross nominal outflow was projected considering the exchange rate of Brazilian Reais, and Mexican and Colombian Pesos to US$ as of December 31, 2023.</td></tr> </table> <p id="xdx_8A6_zoN0fuQ7hTq2" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The unused limit of credit cards is the pre-approved limit that has not yet been used by the client and represents the current maximum potential credit exposure. Therefore, it does not represent the real need for liquidity arising from commitments. When customers begin utilizing their unused limits, the duration of the credit card receivables are expected to be shorter than the duration of the payables to network.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 10pt; text-align: justify"><b>Maturities of financial assets</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 12pt 0 10pt; text-align: justify">The table below summarize the Group’s financial assets contractual undiscounted cash flows and their contractual maturities:</p> <table cellpadding="0" cellspacing="0" id="xdx_89F_ecustom--ScheduleOfMaturitiesOfFinancialAssetsTableTextBlock_z2DHc5hozBnj" 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="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8BE_zpnmrbMlWipj" style="display: none">Schedule of financial assets contractual maturities</span></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> <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: bottom"> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td colspan="9" style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: black 1pt solid; 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: 11%; text-align: center"><span style="font-size: 8pt"><b>Total</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: 8pt"><b>Up to 1 month</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: 8pt"><b>1 to 3 months</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: 8pt"><b>3-12 months</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: 8pt"><b>Over 12 months</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> <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"><b>Financial assets</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> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit card receivables (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--CreditCardReceivables1_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zI2F8fncatnk" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">13,118,532</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--CreditCardReceivables1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_z2YExWuQVhob" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">5,487,838</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_ecustom--CreditCardReceivables1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zk0GmCWCnMC8" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">4,481,950</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--CreditCardReceivables1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z8zA6ShdKmKg" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">2,939,438</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_ecustom--CreditCardReceivables1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z5hdQOXUhnHg" style="padding: 2pt; text-align: right" title="Credit card receivables"><span style="font-size: 8pt">209,306</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Securities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--Securities1_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zcEvwpwTyfhd" style="padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">9,537,366</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Securities1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zIMPNvmEaZib" style="padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">130,738</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--Securities1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zUgqX6jalPb7" style="padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">132,503</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--Securities1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zQkOdtGnwpb8" style="padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">753,192</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_983_ecustom--Securities1_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_z6FIagio0Xo2" style="padding: 2pt; text-align: right" title="Securities"><span style="font-size: 8pt">8,520,933</span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Compulsory and other deposits at central banks</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--CompulsoryAndOtherDepositsAtCentralBanks_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zhg2UDjmlpv1" style="padding: 2pt; text-align: right" title="Compulsory and other deposits at central banks"><span style="font-size: 8pt">7,447,483</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_ecustom--CompulsoryAndOtherDepositsAtCentralBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zquvdo5clBP3" style="padding: 2pt; text-align: right" title="Compulsory and other deposits at central banks"><span style="font-size: 8pt">7,447,483</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--CompulsoryAndOtherDepositsAtCentralBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zrcyzIj9CJQ6" style="padding: 2pt; text-align: right" title="Compulsory and other deposits at central banks"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7485">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--CompulsoryAndOtherDepositsAtCentralBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zqfBBfAvKlQ1" style="padding: 2pt; text-align: right" title="Compulsory and other deposits at central banks"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7487">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--CompulsoryAndOtherDepositsAtCentralBanks_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zYzTjvMyZB0j" style="padding: 2pt; text-align: right" title="Compulsory and other deposits at central banks"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7489">-</span></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <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 id="xdx_987_ecustom--CashAndCashEquivalent_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zNrFaaQxO884" style="padding: 2pt; text-align: right" title="Cash and cash equivalents"><span style="font-size: 8pt">5,923,440</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--CashAndCashEquivalent_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zE3E4h8I9fWe" style="padding: 2pt; text-align: right" title="Cash and cash equivalents"><span style="font-size: 8pt">5,923,440</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_ecustom--CashAndCashEquivalent_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zGQqrhUj0ZZ1" style="padding: 2pt; text-align: right" title="Cash and cash equivalents"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7495">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_ecustom--CashAndCashEquivalent_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zfA6q6DXAd6i" style="padding: 2pt; text-align: right" title="Cash and cash equivalents"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7497">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--CashAndCashEquivalent_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zRNSEgwAigpc" style="padding: 2pt; text-align: right" title="Cash and cash equivalents"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7499">-</span></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Loans to customers (i)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_ecustom--LoansToCustomers_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zE6rc79hSt05" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">4,614,637</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--LoansToCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zcEw98OIQQm8" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">526,535</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--LoansToCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zBYIxaQCy1Jc" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">930,798</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--LoansToCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zRPNL4BIfRj7" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">2,144,616</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_ecustom--LoansToCustomers_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zqWlJEOdSzk2" style="padding: 2pt; text-align: right" title="Loans to customers"><span style="font-size: 8pt">1,012,688</span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Other receivables</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zMJUinxqBj5d" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">1,730,588</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zN0UQUbO1Uth" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">554,951</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zeoQnphdkUMl" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">633,694</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_zWu95j3neQZb" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt">541,943</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--OtherReceivables_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zXhK5xUTp0xc" style="padding: 2pt; text-align: right" title="Other receivables"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7519">-</span></span></td></tr> <tr style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; width: 40%; text-align: left"><span style="font-size: 8pt">Other assets</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98A_eifrs-full--OtherAssets_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zr03EOXDsxsi" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Other assets"><span style="font-size: 8pt">256</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98F_eifrs-full--OtherAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zKKeFm60fw09" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Other assets"><span style="font-size: 8pt">256</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98E_eifrs-full--OtherAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_zTiIZQeeePOc" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Other assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7525">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98B_eifrs-full--OtherAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z8ikaDViEwWf" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Other assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7527">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_981_eifrs-full--OtherAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zh9ZYbrIz1b9" style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: right" title="Other assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7529">-</span></span></td></tr> <tr style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total Financial Assets</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--FinancialAssets_iI_pn3n3_c20231231__ifrs-full--CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis__custom--TotalMember_zlTp6w5RnaKc" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total financial assets"><span style="font-size: 8pt"><b>42,372,302</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--FinancialAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--NotLaterThanOneMonthMember_zeQYpNEtJmIl" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total financial assets"><span style="font-size: 8pt"><b>20,071,241</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--FinancialAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneMonthAndNotLaterThanThreeMonthsMember_z0WCDYLjaRk4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total financial assets"><span style="font-size: 8pt"><b>6,178,945</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98F_eifrs-full--FinancialAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanThreeMonthsAndNotLaterThanOneYearMember_z2BImQRPftO7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total financial assets"><span style="font-size: 8pt"><b>6,379,189</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--FinancialAssets_iI_pn3n3_c20231231__ifrs-full--MaturityAxis__ifrs-full--LaterThanOneYearMember_zjxsSWnUpyRi" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Total financial assets"><span style="font-size: 8pt"><b>9,742,927</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; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Credit card receivables and loans to customers do not include overdue values that are still being considered in the book value</td></tr> </table> <p id="xdx_8A1_zBOvzf1UcGj1" 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: 10pt; margin-bottom: 10pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">●</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 and 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 limits 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><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><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><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">In Brazil, the Brazilian Central Bank (BCB) requires an assessment of the sufficiency of capital for the interest rate risk of the banking book (IRRBB) based on Delta EVE and Delta NII metrics. The Group calculates these metrics in Brazil according to the regulator standard for managing this capital requirement. Delta EVE is the change in the Group's economic value of equity in the scenarios prescribed by the BCB. Delta NII is the change in the Group's net interest income in the same standard prescribed scenarios.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; background-color: white">The table below presents the VaR uses a confidence level of 99% and a holding period of 10 days, by a filtered historical simulation approach, with a 5-year historical window. For Brazil, it is calculated only for the Trading Book in line with the portfolio management strategy.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0 0 0.25in; text-align: justify; background-color: white"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfVarTableTextBlock_pn3n3_zGjLXWLf7Xt" 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 style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B7_zIhndlVUEj2g" style="display: none">Schedule of vaR for the entities</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_493_20230101__20231231__custom--GroupSensitivityAxis__custom--VARMember_z34oJgUSYqFj" style="padding: 2pt; text-align: center"> </td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_494_20220101__20221231__custom--GroupSensitivityAxis__custom--VARMember_znmQKtNxIn2j" style="padding: 2pt; text-align: center"> </td></tr> <tr> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left"><span style="font-size: 8pt"><b>VaR</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2022</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--NuFinanceiraINuPagamentosBrazil_pn3n3_z9uAn1uwVy1f" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Financeira (i) / Nu Pagamentos (Brazil)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">249</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">190</span></td></tr> <tr id="xdx_402_ecustom--NuHoldings_pn3n3_zIm3gqNSvwL4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nu Holdings (ii)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">14,419</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,321</span></td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(i)</td> <td style="text-align: justify; width: 97%">Includes Nu Financeira and its subsidiaries Nu Invest and Nu DTVM.</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; width: 100%; margin-bottom: 10pt"> <tr style="vertical-align: top"> <td style="text-align: justify; width: 3%">(ii)</td> <td style="text-align: justify; width: 97%">Considers only financial assets held directly by Nu Holdings as other subsidiaries do not have significant market risk exposures.</td></tr> </table> <p id="xdx_8A6_zNbSZoRSdMK3" style="margin-top: 0; margin-bottom: 0"> </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, Brazilian IPCA coupon curve, US risk-free curve and Mexican risk-free curve, assuming a parallel shift and a constant financial position:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--ScheduleOfGroupsSensitivityOfTheMarkToMarketFairValueTableTextBlock_ziCCmqA0kILd" 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 5)"> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span id="xdx_8B8_zLnyfle6Vaqh" style="display: none">Schedule of mark to market fair value</span></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> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 70%; text-align: left"><span style="font-size: 8pt"><b>DV01</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; background-color: white; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2022</b></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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian risk-free curve (1)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_ecustom--MarkToMarketFairValue_pn3n3_c20230101__20231231__custom--GroupSensitivityAxis__custom--BrazilianRiskFreeCurveMember_zLtaiaOS289k" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(158)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_ecustom--MarkToMarketFairValue_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--BrazilianRiskFreeCurveMember_zDI8XVrC1RM6" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(41)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Brazilian IPCA coupon</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_ecustom--MarkToMarketFairValue_pn3n3_c20230101__20231231__custom--GroupSensitivityAxis__custom--BrazilianIPCACouponMember_zCgpCmyTlcL" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(5)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--MarkToMarketFairValue_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--BrazilianIPCACouponMember_zU2hgFTdO3Se" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(5)</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">US risk-free curve</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_ecustom--MarkToMarketFairValue_pn3n3_c20230101__20231231__custom--GroupSensitivityAxis__custom--USRiskFreeCurveMember_zOqVmMfqqAVl" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(136)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_ecustom--MarkToMarketFairValue_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--USRiskFreeCurveMember_zQtsxQj2fTx3" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">(121)</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Mexican risk-free curve</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_ecustom--MarkToMarketFairValue_pn3n3_c20230101__20231231__custom--GroupSensitivityAxis__custom--MexicanRiskFreeCurveMember_zv4oOLCWSMg3" style="padding: 2pt; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">2</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_ecustom--MarkToMarketFairValue_pn3n3_c20220101__20221231__custom--GroupSensitivityAxis__custom--MexicanRiskFreeCurveMember_zd5gjZjWv7H" style="padding: 2pt; vertical-align: bottom; text-align: right" title="Mark to market fair value"><span style="font-size: 8pt">1</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; width: 3%">(1)<span style="font-family: Times New Roman, Times, Serif; font-size: 7pt"> </span></td> <td style="text-align: justify; width: 97%">Includes FIP, Nu Pagamentos, Nu Financeira, Nu Invest and Nu DTVM.</td></tr> </table> <p id="xdx_8AD_zRPn4CEnbaCe" style="margin-top: 0; margin-bottom: 0"> </p> <p 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 those mentioned above is not significant as of December 31, 2023 and 2022. 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><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, 2023 and 2022, 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> <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><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> <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><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><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><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: 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"><span style="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 may utilize the services </span>of third-party licensed trust companies <span style="color: #1D1C1D">in the operation and management of the cryptocurrency business activity. The Group keeps a copy of the records maintained by the third-party as well as its own internal tracking of customers' assets for reconciliation purposes. NuCrypto may have a liability to </span><span style="color: #202124">indemnify </span> <span style="color: #1D1C1D">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. Currently, the majority of assets under custody are managed internally, and liquidity providers operate within a trust structure and carry insurance for potential losses which the Group would seek to make claims upon if required, with any benefit obtained being transferred to impacted customers. See note 34 for further explanations.</span></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> | |
| CY2023Q4 | nu |
Cash And Cash Equivalent
CashAndCashEquivalent
|
5923440000 | usd |
| CY2022Q4 | nu |
Cash And Cash Equivalent
CashAndCashEquivalent
|
4172316000 | usd |
| CY2023Q4 | nu |
Securities
Securities
|
368574000 | usd |
| CY2022Q4 | nu |
Securities
Securities
|
91853000 | usd |
| CY2023Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
20981000 | usd |
| CY2022Q4 | nu |
Derivative Financial Instruments
DerivativeFinancialInstruments
|
41485000 | usd |
| CY2023Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
320000 | usd |
| CY2022Q4 | nu |
Collateral For Credit Card Operations
CollateralForCreditCardOperations
|
305000 | usd |
| CY2023Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
389875000 | usd |
| CY2023Q4 | nu |
Securities1
Securities1
|
8805745000 | usd |
| CY2022Q4 | nu |
Securities1
Securities1
|
9947138000 | usd |
| CY2023Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
8805745000 | usd |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
9947138000 | usd |
| CY2023Q4 | nu |
Securitie1
Securitie1
|
104420000 | usd |
| CY2023Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
12414133000 | usd |
| CY2022Q4 | nu |
Credit Card Receivables1
CreditCardReceivables1
|
8233072000 | usd |
| CY2023Q4 | nu |
Loans To Customers
LoansToCustomers
|
3202334000 | usd |
| CY2022Q4 | nu |
Loans To Customers
LoansToCustomers
|
1673440000 | usd |
| CY2023Q4 | nu |
Compulsory Deposits At Central Banks
CompulsoryDepositsAtCentralBanks
|
7447483000 | usd |
| CY2022Q4 | nu |
Compulsory Deposits At Central Banks
CompulsoryDepositsAtCentralBanks
|
2778019000 | usd |
| CY2023Q4 | nu |
Others Receivable
OthersReceivable
|
1689030000 | usd |
| CY2022Q4 | nu |
Others Receivable
OthersReceivable
|
521670000 | usd |
| CY2023Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
131519000 | usd |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
478283000 | usd |
| CY2023Q4 | nu |
Financial Assets At Amortized Cost
FinancialAssetsAtAmortizedCost
|
24988919000 | usd |
| CY2022Q4 | nu |
Financial Assets At Amortized Cost
FinancialAssetsAtAmortizedCost
|
13684484000 | usd |
| CY2023Q4 | nu |
Unused Limits
UnusedLimits
|
16998572000 | usd |
| CY2022Q4 | nu |
Unused Limits
UnusedLimits
|
12971982000 | usd |
| CY2023Q4 | nu |
Credit Commitments
CreditCommitments
|
16998572000 | usd |
| CY2022Q4 | nu |
Credit Commitments
CreditCommitments
|
12971982000 | usd |
| CY2023 | nu |
Deposits From Customers1
DepositsFromCustomers1
|
0.94 | pure |
| CY2022 | nu |
Deposits From Customers1
DepositsFromCustomers1
|
0.96 | pure |
| CY2023 | nu |
Borrowings And Financing Percentage
BorrowingsAndFinancingPercentage
|
0.05 | pure |
| CY2022 | nu |
Borrowings And Financing Percentage
BorrowingsAndFinancingPercentage
|
0.04 | pure |
| CY2023 | nu |
Bank Certificate Of Deposit Percentage
BankCertificateOfDepositPercentage
|
0.01 | pure |
| CY2022 | nu |
Bank Certificate Of Deposit Percentage
BankCertificateOfDepositPercentage
|
0 | pure |
| CY2023 | nu |
Instruments Eligible As Capital1
InstrumentsEligibleAsCapital1
|
0 | pure |
| CY2022 | nu |
Instruments Eligible As Capital1
InstrumentsEligibleAsCapital1
|
0 | pure |
| CY2023 | nu |
Total Deposits From Customers
TotalDepositsFromCustomers
|
1 | pure |
| CY2022 | nu |
Total Deposits From Customers
TotalDepositsFromCustomers
|
1 | pure |
| CY2023 | nu |
Disclosure Of Capital Management Explanatory
DisclosureOfCapitalManagementExplanatory
|
<p id="xdx_80D_ecustom--DisclosureOfCapitalManagementExplanatory_z3ES0uDxYwW9" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">32. <span id="xdx_829_zc6katZnwJn5">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 following 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, writing and submitting the capital plan and the capital contingency plan for approval by the Executive Directors.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">In July 2023, a new regulatory framework from the Central Bank of Brazil was implemented determining the classification of conglomerates containing at least one payment servicer institution. This new framework replaced the previous capital requirements for the financial conglomerate led by Nu Financeira. Therefore, the capital requirements for the conglomerates are not comparable due to differences in scope. The amounts for December 2023 reflecting Prudential Conglomerate requirements, are presented below in item (a).</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">a) Regulatory Capital Composition</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>i) Nu Prudential Conglomerate in Brazil</b></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">Brazil's Central bank defines a prudential conglomerate as a group of companies in which one regulated entity controls other regulated companies or investment funds. The conglomerate is classified as Type 3 when the regulated company that leads the conglomerate is a Payment Institution, in the case of Nu Pagamentos.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The regulatory capital of the prudential conglomerate, defined by Brazil's Central Bank, consists of three key components:</p> <p 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: 0"><tr style="vertical-align: top"> <td style="width: 0.75in"></td><td style="width: 0.25in">●</td><td style="text-align: justify">Common Equity Tier 1 (CET1) Capital: Consisting of paid-in capital, reserves, and retained earnings, after accounting for deductions and prudential adjustments.</td></tr></table> <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: 0.75in"></td><td style="width: 0.25in">●</td><td style="text-align: justify">Additional Tier 1 (AT1) Capital: This includes debt instruments that have no specific maturity and can absorb losses, meeting the eligibility criteria set out by the Central Bank. The sum of CET1 and AT1 forms the overall Tier 1 Capital.</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: 0.75in"></td><td style="width: 0.25in">●</td><td style="text-align: justify">Tier II Capital: This involves subordinated debt instruments with set maturity dates that meet eligibility requirements.</td></tr></table> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">The phase-in, covering the minimum capital requirements and prudential adjustments, as per current regulation are illustrated in the following table.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfCapitalRequirementsTableTextBlock_zar2Wo7zBVNc" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Capital management (Details)"> <tr> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left"><span id="xdx_8BA_zRMdNrVdGNw1" style="display: none">Schedule of capital requirements</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td colspan="3" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; text-align: center"><span style="font-size: 8pt"><b>From July</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>Full year</b></span></td></tr> <tr> <td style="padding: 2pt; width: 55%; text-align: left"><span style="font-size: 8pt"><b>Transitional Rule</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2024</b></span></td> <td style="padding: 2pt; vertical-align: bottom; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2025</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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Prudential Adjustments</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_90C_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--PrudentialAdjustmentsMember__ifrs-full--CreationDateAxis__custom--FromJuly2023Member_zFS4RX2TyAC2" title="Total requirements">30.0</span>%</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_90C_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--PrudentialAdjustmentsMember__ifrs-full--CreationDateAxis__custom--FullYear2024Member_zFPWe8r6BmF7" title="Total requirements">60.0</span>%</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_90A_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--PrudentialAdjustmentsMember__ifrs-full--CreationDateAxis__custom--FullYear2025Member_z8muiRiVPudk" title="Total requirements">100.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Tier 1 Capital</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_906_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--Tier1CapitalMember__ifrs-full--CreationDateAxis__custom--FromJuly2023Member_ztUnAK4Qxzfb" title="Total requirements">5.5</span>%</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_90D_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--Tier1CapitalMember__ifrs-full--CreationDateAxis__custom--FullYear2024Member_zW74qulNr17" title="Total requirements">6.0</span>%</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_901_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--Tier1CapitalMember__ifrs-full--CreationDateAxis__custom--FullYear2025Member_z4AGNlANw9Fb" title="Total requirements">6.0</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Minimum Requirement</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_90B_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--MinimumRequirementMember__ifrs-full--CreationDateAxis__custom--FromJuly2023Member_zyCurtgBI1nb" title="Total requirements">6.75</span>%</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_901_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--MinimumRequirementMember__ifrs-full--CreationDateAxis__custom--FullYear2024Member_zpN58YTLMyp5" title="Total requirements">7.5</span>%</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_908_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--MinimumRequirementMember__ifrs-full--CreationDateAxis__custom--FullYear2025Member_zmOk9kT7LBKf" title="Total requirements">8.0</span>%</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Conservation Capital Buffer (CCB)</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_907_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--ConservationCapitalBufferMember__ifrs-full--CreationDateAxis__custom--FromJuly2023Member_zENibMVi03we" title="Total requirements">0.0</span>%</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_909_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--ConservationCapitalBufferMember__ifrs-full--CreationDateAxis__custom--FullYear2024Member_zfhsrpaq98nb" title="Total requirements">1.25</span>%</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_903_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CapitalRequirementsAxis__custom--ConservationCapitalBufferMember__ifrs-full--CreationDateAxis__custom--FullYear2025Member_zqpjsllBHmp3" title="Total requirements">2.5</span>%</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Total Requirement</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span id="xdx_900_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CreationDateAxis__custom--FromJuly2023Member_zcKujKmSLxFk" title="Total requirements">6.75</span>%</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span id="xdx_902_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CreationDateAxis__custom--FullYear2024Member_zHiiGbYcWx6g" title="Total requirements">8.75</span>%</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b><span id="xdx_905_ecustom--CapitalRequirementsPercentage_pip0_dp_c20230101__20231231__ifrs-full--CreationDateAxis__custom--FullYear2025Member_zsjJ4iW5VPo5" title="Total requirements">10.50</span>%</b></span></td></tr> </table> <p id="xdx_8A7_zNQg7hUSEOe5" 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"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">The following table demonstrates the calculated capital ratios for the CET1, Tier 1, and the Capital Adequacy Ratio (CAR). And also outlines their minimum requirements for the prudential conglomerate under Brazil's current regulations:</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--ScheduleOfFinancialConglomerateTableTextBlock_zfiGSmJILRbg" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Capital management (Details 1)"> <tr> <td style="text-indent: 10pt; padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8B2_z9o2tPxV5q32" style="display: none">Schedule of financial conglomerate</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49D_20231231_zGHn2KrT81sg" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr> <td style="padding: 2pt; width: 85%; text-align: left"><span style="font-size: 8pt"><b>Prudential conglomerate</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 14%; text-align: center"><span style="font-size: 8pt"><b>2023</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: left"> </td></tr> <tr id="xdx_409_ecustom--RegulatoryCapital_iI_pn3n3_zEaFj1F8lKZ9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Regulatory Capital</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>2,629,271</b></span></td></tr> <tr id="xdx_400_ecustom--TierI_iI_pn3n3_zV4MNrFelnc" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Tier I</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>2,396,007</b></span></td></tr> <tr id="xdx_409_ecustom--CommonEquity_iI_pn3n3_zCIphBR02Zt8" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Common equity capital</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>2,197,185</i></span></td></tr> <tr id="xdx_406_ecustom--Additional_iI_pn3n3_d0_zOrtOnyRHoSf" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><i>Additional</i></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><i>198,822</i></span></td></tr> <tr id="xdx_40D_ecustom--TierII_iI_pn3n3_z3brjTqmGi1f" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Tier II</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>233,263</b></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: left"> </td></tr> <tr id="xdx_40F_ecustom--RiskWeightedAssets1_iI_pn3n3_zHNQsRjjN4Qc" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Risk weighted assets (RWA)</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>19,261,517</b></span></td></tr> <tr id="xdx_407_ecustom--CreditRisk1_iI_pn3n3_zUA0X3YZ0Ut3" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Credit risk (RWA CPAD)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,774,206</span></td></tr> <tr id="xdx_40D_ecustom--MarketRisk_iI_pn3n3_zHhO2gGqYiG1" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Market risk (RWA MPAD)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">145,124</span></td></tr> <tr id="xdx_406_ecustom--OperationalRisk1_iI_pn3n3_zu30qzgj9pT4" style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Operational risk (RWA OPAD)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">4,036,285</span></td></tr> <tr id="xdx_406_ecustom--PaymentServicesRisk_iI_pn3n3_z9vyI9YiGUx5" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Payment services risk (RWA SP)</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">1,305,902</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: left"> </td></tr> <tr id="xdx_409_ecustom--MinimumCapitalRequired_iI_pn3n3_zFuyP4qyyHe2" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Minimum capital required</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,300,152</b></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: left"> </td></tr> <tr id="xdx_404_ecustom--ExcessMargin_iI_pn3n3_z3BERReTtOy9" style="background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Excess margin</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>1,329,119</b></span></td></tr> <tr id="xdx_401_ecustom--Cet1Ratio_iI_pip0_dp_z2kjV7jhjzf6" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>CET1 ratio</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>11.4%</b></span></td></tr> <tr id="xdx_40B_ecustom--Tier1Ratio_iI_pip0_dp_zOXYxLzMe8pj" style="background-color: #E8E7FC"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>Tier 1 ratio</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>12.4%</b></span></td></tr> <tr id="xdx_408_ecustom--Car_iI_pip0_dp_zf19WyLVAml4" style="background-color: white"> <td style="padding: 2pt; vertical-align: bottom; text-align: left"><span style="font-size: 8pt"><b>CAR</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>13.7%</b></span></td></tr> </table> <p id="xdx_8A5_zEc46OLgvH0h" 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 0 10pt; text-align: justify">On December 29, 2023, the Brazilian Central Bank granted Nu Pagamentos approval for the implementation of the Alternative Standardized Approach ("ASA") to calculate its operational risk capital requirements. The RWA OPAD from December 2023 onwards are calculated in accordance with this methodology.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"><b>ii) 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 necessary to support its growth and to permanently maintain its Regulatory Capital in accordance with the requirements defined by the CNBV (National Banking and Securities Commission).</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">As of December 31, 2023, its regulatory capital was equivalent to US$ <span id="xdx_901_ecustom--RegulatoryCapital1_pn3n3_c20230101__20231231_zHJU2N6j7mqa" title="Regulatory capital position">395,180</span> (US$<span id="xdx_908_ecustom--RegulatoryCapital1_pn3n3_c20220101__20221231_z6OohGq2sRA5" title="Regulatory capital position">470,092</span> as of December 31, 2022), resulting in a Capital ratio of 28.4% (49% as of December 31, 2022), with 10.5% being the minimum required for Category 4 Sociedades Financieras Populares ("SOFIPO").</p> <p style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">iii) Nu Colombia</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">Nu Colombia Financiamiento was granted a license to operate as a financial institution in Colombia by Financial Superintendency (SFC) in January, 2024. Once Nu Colombia Financiamiento becomes operational, it will be required to comply with the capital ratios: basic solvency, additional basic solvency and total solvency.</p> | |
| CY2023Q4 | nu |
Regulatory Capital
RegulatoryCapital
|
2629271000 | usd |
| CY2023Q4 | nu |
Tier I
TierI
|
2396007000 | usd |
| CY2023Q4 | nu |
Common Equity
CommonEquity
|
2197185000 | usd |
| CY2023Q4 | nu |
Additional
Additional
|
198822000 | usd |
| CY2023Q4 | nu |
Tier Ii
TierII
|
233263000 | usd |
| CY2023Q4 | nu |
Risk Weighted Assets1
RiskWeightedAssets1
|
19261517000 | usd |
| CY2023Q4 | nu |
Credit Risk1
CreditRisk1
|
13774206000 | usd |
| CY2023Q4 | nu |
Market Risk
MarketRisk
|
145124000 | usd |
| CY2023Q4 | nu |
Operational Risk1
OperationalRisk1
|
4036285000 | usd |
| CY2023Q4 | nu |
Payment Services Risk
PaymentServicesRisk
|
1305902000 | usd |
| CY2023Q4 | nu |
Minimum Capital Required
MinimumCapitalRequired
|
1300152000 | usd |
| CY2023Q4 | nu |
Excess Margin
ExcessMargin
|
1329119000 | usd |
| CY2023Q4 | nu |
Cet1 Ratio
Cet1Ratio
|
0.114 | pure |
| CY2023Q4 | nu |
Tier1 Ratio
Tier1Ratio
|
0.124 | pure |
| CY2023Q4 | nu |
Car
Car
|
0.137 | pure |
| CY2023 | nu |
Regulatory Capital1
RegulatoryCapital1
|
395180000 | usd |
| CY2022 | nu |
Regulatory Capital1
RegulatoryCapital1
|
470092000 | usd |
| CY2023 | ifrs-full |
Disclosure Of Operating Segments Explanatory
DisclosureOfOperatingSegmentsExplanatory
|
<p id="xdx_807_eifrs-full--DisclosureOfOperatingSegmentsExplanatory_zjGaGjnZtXS9" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">33. <span id="xdx_822_zE9zwwQuhXSi">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_90A_ecustom--NumberReportableSegment_c20230101__20231231_zRRTTJK1cEtl" 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: 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) 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_890_ecustom--SummaryOfAdditionsToNoncurrentAssetsByReportableSegmentTableTextBlock_zVmsmkRZSh12" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Segment information (Details)"> <tr> <td style="padding: 2pt; text-align: left"><span id="xdx_8B8_zHj8BewTwMOg" style="display: none">Schedule of revenue and non-current assets per geographical area</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; vertical-align: bottom; 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> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; vertical-align: bottom; text-align: left"> </td> <td colspan="5" style="border-bottom: black 1pt solid; padding: 2pt; vertical-align: bottom; text-align: center"><span style="font-size: 8pt"><b>Revenue (a)</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>Non-current assets (b)</b></span></td></tr> <tr> <td style="padding: 2pt; width: 18%; text-align: left"> </td> <td style="padding: 2pt; width: 28%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 11%; text-align: center"><span style="font-size: 8pt"><b>2023</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: 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; vertical-align: bottom; width: 10%; 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: 10%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 10%; text-align: center"><span style="font-size: 8pt"><b>2022</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: 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; vertical-align: bottom; 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="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_983_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zIQuCf8edl03" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">5,728,748</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zW1Dnc5u6IG8" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">3,121,129</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zlIR0PZXQhuf" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">1,285,849</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zFAXxVSM6HNc" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">656,291</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfBrazilMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z0q8IBGYpIVe" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">551,668</span></td></tr> <tr style="background-color: white"> <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_988_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zjp1iNACdeV8" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">354,884</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zXP6NTIQeBt" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">201,197</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zFNv3CNA26S1" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">29,546</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zVqMOHZWVb9k" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">47,893</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfMexicoMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_znQrZrkgDXQ3" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">17,610</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_98B_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z7ouHgSzmVQ" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">75,405</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zKiaAubOBNz3" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">20,369</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z9Rul5QVLmzh" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">805</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z1UZtswc6uWa" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">14,796</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfColombiaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zHu6SSu5exLh" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">5,124</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Cayman Islands</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_981_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfCaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z95nTMwF87Mb" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7682">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfCaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z96lpj25Ov8k" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7684">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfCaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zIKP05IzI0J3" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7686">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98C_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfCaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z8iRow101vC4" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">38,004</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfCaymanIslandsMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zk2hTV7jT9da" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">43,994</span></td></tr> <tr style="background-color: #E8E7FC"> <td style="padding: 2pt; width: 18%; text-align: left"><span style="font-size: 8pt">Germany</span></td> <td style="padding: 2pt; width: 28%; text-align: left"> </td> <td id="xdx_981_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfGermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zIHVnJMDeaUc" style="padding: 2pt; width: 11%; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7692">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_988_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfGermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zTnFBMoi5JN9" style="padding: 2pt; width: 9%; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7694">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_987_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfGermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zaZP8WuNJXMl" style="padding: 2pt; width: 10%; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7696">-</span></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_98A_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfGermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zorssC1CJy52" style="padding: 2pt; width: 10%; text-align: right" title="Non current assets"><span style="font-size: 8pt">72</span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td id="xdx_982_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfGermanyMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zgQJxesQKWY1" style="padding: 2pt; width: 10%; text-align: right" title="Non current assets"><span style="font-size: 8pt">88</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Argentina</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98A_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z05Z96GPE5Jk" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7702">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z3poPuJEK7u7" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7704">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98B_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z1K58vnvfvNi" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7706">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zwvkqlYDpomf" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7708">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfArgentinaMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z8wTRdXvjSSf" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">46</span></td></tr> <tr style="background-color: #E8E7FC"> <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_984_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zkXqtt30htU" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">977</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98E_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z8xLZMiE1Uyl" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">2,398</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zQIhsYRHGUO5" style="padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt">2,845</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_984_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zqzuKBRdKW05" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">6,116</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUnitedStatesMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zH7iIvNMe1xk" style="padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt">7,495</span></td></tr> <tr style="background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Uruguay</span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_982_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUruguayMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z46mGe7zA2Cd" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7722">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUruguayMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zXTTUTrdM9Q4" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7724">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_985_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUruguayMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zuuwSWNrmmA7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7726">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_987_eifrs-full--NoncurrentAssets_iI_pn3n3_c20231231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUruguayMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zJgVFIHvgKlg" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7728">-</span></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_989_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--GeographicalAreasAxis__custom--CountryOfUruguayMember__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zmlYECTEMK98" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7730">-</span></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_984_eifrs-full--Revenue_pn3n3_c20230101__20231231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zamfAP6zBKq8" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><b>6,160,014</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_980_eifrs-full--Revenue_pn3n3_c20220101__20221231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_z6TB3XicxIU2" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><b>3,345,093</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_988_eifrs-full--Revenue_pn3n3_c20210101__20211231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zdcH84ZdFXE7" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Revenue"><span style="font-size: 8pt"><b>1,319,045</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_986_eifrs-full--NoncurrentAssets_pn3n3_c20231231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zDWyHLcHnhzb" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt"><b>763,172</b></span></td> <td style="padding: 2pt; text-align: left"> </td> <td id="xdx_98D_eifrs-full--NoncurrentAssets_iI_pn3n3_c20221231__ifrs-full--SegmentsAxis__ifrs-full--ReportableSegmentsMember_zDtlA9SUCXIj" style="border-bottom: black 1pt solid; padding: 2pt; text-align: right" title="Non current assets"><span style="font-size: 8pt"><b>626,025</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 style="text-align: justify; width: 3%">(a)</td> <td style="text-align: justify; width: 97%">Includes interest income (credit card, lending and other receivables), interchange fees, recharge fees, rewards revenue, late fees and other fees and commission income.</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; width: 3%">(b)</td> <td style="text-align: justify; width: 97%">Non-current assets are right-of-use assets, property, plant and equipment, intangible assets, and goodwill.</td></tr> </table> <p id="xdx_8A8_zzkRjko72n0d" 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 Group had no single customer that represented 10% or more of the Group's revenues in the years ended December 31, 2023, 2022 and 2021.</p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify"> </p> | |
| CY2023 | nu |
Number Reportable Segment
NumberReportableSegment
|
one | |
| CY2023 | nu |
Disclosure Of Customer Crypto Safeguarding Explanatory
DisclosureOfCustomerCryptoSafeguardingExplanatory
|
<p id="xdx_807_ecustom--DisclosureOfCustomerCryptoSafeguardingExplanatory_z84nX4gAgQBc" style="font: bold 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 0; text-align: justify">34. <span id="xdx_82C_zVuUGmlCFVsg">Customer crypto safeguarding</span></p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 10pt 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 as an asset 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 specialized brokers. The custody activity is performed by the brokers, 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: 10pt 0; text-align: justify"> </p> <p style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 5pt 0 0; 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, 2023 and 2022. The Group was not aware of any actual or possible safeguarding loss events as of December 31, 2023, 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: 10pt 0; 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_89F_ecustom--ScheduleOfCustomerCryptoSafeguardingTableTextBlock_zPEc4Qwc3kfb" style="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - Customer crypto safeguarding (Details)"> <tr style="vertical-align: bottom"> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"><span id="xdx_8B1_zgwhKpzHTXM1" style="display: none">Schedule of customer crypto safeguarding</span></td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_49F_20230101__20231231_zpphLXmGrAWc" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td> <td style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: left"> </td> <td id="xdx_491_20220101__20221231_zG9kfEf7p0j5" style="padding-top: 2pt; padding-right: 2pt; padding-left: 2pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding: 2pt; width: 66%; text-align: left"> </td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2023</b></span></td> <td style="padding: 2pt; width: 1%; text-align: left"> </td> <td style="border-bottom: black 1pt solid; padding: 2pt; width: 16%; text-align: center"><span style="font-size: 8pt"><b>2022</b></span></td></tr> <tr style="vertical-align: bottom; 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: left"> </td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--TotalApproximateNumberOfCryptoHeldForCustomers_pn3n3_z4fLl8eW2nS6" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Total approximate number of crypto held for customers</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">3,656,856</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">268,907</span></td></tr> <tr id="xdx_403_ecustom--FairValueOfCryptoassetsHeldByCustomersOnGroupsPlatformAbstract_iB_pn3n3_zNY9fK9gaImd" style="vertical-align: bottom; background-color: white"> <td colspan="5" style="padding: 2pt; text-align: left"><span style="font-size: 8pt"><b>Fair value of the crypto-assets held by customers on the Group's platform</b></span></td></tr> <tr id="xdx_409_ecustom--Nucoin_pn3n3_zQLieKx9cb6" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Nucoin</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">67,699</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7755">-</span></span></td></tr> <tr id="xdx_405_ecustom--Bitcoin_pn3n3_zCLZzbM2N7Sa" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Bitcoin</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">39,814</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">10,227</span></td></tr> <tr id="xdx_40C_ecustom--Solana_pn3n3_zTeBUeI4dKfj" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Solana</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">13,579</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl7761">-</span></span></td></tr> <tr id="xdx_40D_ecustom--Ethereum_pn3n3_zhRUlpB2tw67" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Ethereum</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">12,170</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">7,823</span></td></tr> <tr id="xdx_40A_ecustom--Matic_pn3n3_zG3u6obP7gfi" style="vertical-align: bottom; background-color: #E8E7FC"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Matic</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">9,769</span></td> <td style="padding: 2pt; text-align: left"> </td> <td style="padding: 2pt; text-align: right"><span style="font-size: 8pt">181</span></td></tr> <tr id="xdx_406_ecustom--Other_pn3n3_zK2lYJuPkMjk" style="vertical-align: bottom; background-color: white"> <td style="padding: 2pt; text-align: left"><span style="font-size: 8pt">Others</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">10,223</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">82,00</span></td></tr> <tr style="vertical-align: bottom; 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 style="border-bottom: black 1pt solid; padding: 2pt; text-align: right"><span style="font-size: 8pt"><b>153,254</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>18,313</b></span></td></tr> </table> <p id="xdx_8AB_zp3mo8FmaZf1" style="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"> </p> | |
| CY2023 | nu |
Total Approximate Number Of Crypto Held For Customers
TotalApproximateNumberOfCryptoHeldForCustomers
|
3656856000 | usd |
| CY2022 | nu |
Total Approximate Number Of Crypto Held For Customers
TotalApproximateNumberOfCryptoHeldForCustomers
|
268907000 | usd |
| CY2023 | nu |
Nucoin
Nucoin
|
67699000 | usd |
| CY2023 | nu |
Bitcoin
Bitcoin
|
39814000 | usd |
| CY2022 | nu |
Bitcoin
Bitcoin
|
10227000 | usd |
| CY2023 | nu |
Solana
Solana
|
13579000 | usd |
| CY2023 | nu |
Ethereum
Ethereum
|
12170000 | usd |
| CY2022 | nu |
Ethereum
Ethereum
|
7823000 | usd |
| CY2023 | nu |
Matic
Matic
|
9769000 | usd |
| CY2022 | nu |
Matic
Matic
|
181000 | usd |
| CY2023 | nu |
Other
Other
|
10223000 | usd |
| CY2022 | nu |
Other
Other
|
82000.00 | usd |
