Banco Bradesco (BBD) 20-F 30 Apr 18 2017 FY Annual report (foreign) Financial data

Document and Entity Information

Document and Entity Information	12 Months Ended
	Dec. 31, 2017shares
Document and Entity Information [Abstract]
Document Type	20-F
Amendment Flag	false
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Entity Registrant Name	BANK BRADESCO
Entity Central Index Key	1,160,330
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Common shares
Document and Entity Information [Abstract]
Entity Common Stock, Shares Outstanding	3,049,448,563
Preferred shares
Document and Entity Information [Abstract]
Entity Common Stock, Shares Outstanding	3,035,625,047

Consolidated Statements of Inco

Consolidated Statements of Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Statement Line Items [Line Items]
Interest and similar income	R$ 126232328	R$ 147700375	R$ 127048252
Interest and similar expenses	(75,589,415)	(91,037,386)	(71,412,210)
Net interest income	50,642,913	56,662,989	55,636,042
Fee and commission income	22,748,828	20,341,087	17,856,873
Fee and commission expenses	0	(36)	(36,203)
Net fee and commission income	22,748,828	20,341,051	17,820,670
Net gains/(losses) on financial instruments classified as held for trading	9,623,108	16,402,770	(8,252,055)
Net gains/(losses) on financial instruments classified as available for sale	570,358	(1,341,400)	(671,810)
Losses on investments held-to-maturity	(54,520)	0	0
Net gains/(losses) on foreign currency transactions	1,422,957	150,757	(3,523,095)
Net income from insurance and pension plans	6,239,990	4,155,763	5,497,505
Other operating income	17,801,893	19,367,890	(6,949,455)
Impairment of loans and advances	(16,860,835)	(15,350,278)	(14,721,152)
Personnel expenses	(20,723,265)	(17,003,783)	(14,058,047)
Other administrative expenses	(16,882,461)	(16,149,563)	(13,721,970)
Depreciation and amortization	(4,568,568)	(3,658,413)	(2,942,003)
Other operating income/(expenses)	(10,133,357)	(14,004,162)	(12,988,553)
Other operating expense	(69,168,486)	(66,166,199)	(58,431,725)
Income before income taxes and share of profit of associates and joint ventures	22,025,148	30,205,731	8,075,532
Equity in net income of associates	1,718,411	1,699,725	1,528,051
Income before income taxes	23,743,559	31,905,456	9,603,583
Income tax and social contribution	(6,428,956)	(13,912,730)	8,634,322
Net income for the year	17,314,603	17,992,726	18,237,905
Attributable to shareholders:
Controlling shareholders	17,089,364	17,894,249	18,132,906
Non-controlling interest	R$ 225239	R$ 98477	R$ 104999
Common shares
Basic and diluted income per share based on the weighted average number of shares attributable to shareholders (expressed in R$ per share):
- Earnings per	R$ 2.67	R$ 2.80	R$ 2.84
Preferred shares
Basic and diluted income per share based on the weighted average number of shares attributable to shareholders (expressed in R$ per share):
- Earnings per	R$ 2.94	R$ 3.08	R$ 3.12

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Profit or loss [abstract]
Net income for the year	R$ 17314603	R$ 17992726	R$ 18237905
Financial assets available for sale
Unrealized gains/(losses) on financial assets available for sale	2,931,550	7,757,475	(4,754,469)
Realized gains/(losses) on financial assets available for sale	487,017	(1,459,372)	(923,433)
Tax effect	(1,231,202)	(2,587,076)	2,273,982
Exchange differences on translations of foreign operations
Foreign exchange on translations of foreign operations	23,010	(194,566)	118,485
Tax effect	5,992	87,555	(57,788)
Total adjustments not included in the net income	2,216,367	3,604,016	(3,343,223)
Total comprehensive income for the year	19,530,970	21,596,742	14,894,682
Attributable to shareholders:
Controlling shareholders	19,305,731	21,498,265	14,789,683
Non-controlling interest	R$ 225239	R$ 98477	R$ 104999

Consolidated Statements of Fina

Consolidated Statements of Financial Position - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Assets
Cash and balances with banks		R$ 81742951	R$ 72554651
Financial assets held for trading		241,710,041	213,139,846
Financial assets available for sale		159,412,722	113,118,554
Investments held to maturity		39,006,118	43,002,028
Financial assets pledged as collateral		183,975,173	155,286,577
Loans and advances to banks, net of impairment	[1]	32,247,724	94,838,136
Loans and advances to customers, net of impairment	[1]	346,758,099	367,303,034
Non-current assets held for sale		1,520,973	1,578,966
Investment book value		8,257,384	7,002,778
Property and equipment, net of accumulated depreciation		8,432,475	8,397,116
Intangible assets and goodwill, net of accumulated amortization		16,179,307	15,797,526
Taxes to be offset		10,524,575	7,723,211
Deferred income tax assets		43,731,911	45,116,863
Other assets		50,853,987	47,170,370
Total assets		1,224,353,440	1,192,029,656
Liabilities
Deposits from banks		285,957,468	301,662,682
Deposits from customers		262,008,445	232,747,929
Financial liabilities held for trading		14,274,999	13,435,678
Funds from issuance of securities		135,174,090	151,101,938
Balance		50,179,401	52,611,064
Total technical provisions	[2]	239,089,590	215,840,000
Other provisions		18,490,727	18,292,409
Current income tax liabilities		2,416,345	2,130,286
Deferred income tax liabilities		1,251,847	1,762,948
Other liabilities		97,816,824	96,965,515
Total liabilities		1,106,659,736	1,086,550,449
Shareholders' equity
Capital		59,100,000	51,100,000
Treasury shares		(440,514)	(440,514)
Capital reserves		35,973	35,973
Profit reserves		49,481,227	50,027,816
Additional paid-in capital		70,496	70,496
Other comprehensive income		1,817,659	(398,708)
Retained earnings		7,338,990	4,907,381
Equity attributable to controlling shareholders		117,403,831	105,302,444
Non-controlling interest		289,873	176,763
Total equity		117,693,704	105,479,207
Total liabilities and equity		R$ 1224353440	R$ 1192029656
[1]	Amounts of loans and receivables are presented net of the provision for impairment losses.
[2]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and

Consolidated Statements of Chan

Consolidated Statements of Changes in Equity - BRL (R$) R$ in Thousands		Total	Share capital	Treasury shares	Capital reserves	Profit reserves Legal	Profit reserves Statutory	Additional paid-in capital	Other comprehensive income	[1]	Retained earnings	Equity attributable to controlling shareholders	Non-controlling interest
Balance on at Dec. 31, 2014		R$ 82291805	R$ 38100000	R$ 298015	R$ 35973	R$ 5193467	R$ 38571882	R$ 70496	R$ 659501		R$ 1153439	R$ 82167741	R$ 124064
Net income		18,237,905									18,132,906	18,132,906	104,999
Financial assets available for sale		(3,403,920)							(3,403,920)			(3,403,920)
Foreign currency translation adjustment		60,697							60,697			60,697
Comprehensive income		14,894,682										14,789,683	104,999
Increase of non-controlling shareholders' interest		28,446											28,446
Purchase of treasury shares		(133,033)		(133,033)								(133,033)
Capital increase with reserves	[2]		5,000,000				(5,000,000)
Transfers to reserves						859,482	10,295,189				(11,154,671)
Interest on equity and dividends		(6,167,138)									(6,034,964)	(6,034,964)	(132,174)
Balance on at Dec. 31, 2015		90,914,762	43,100,000	(431,048)	35,973	6,052,949	43,867,071	70,496	(4,002,724)		2,096,710	90,789,427	125,335
Net income		17,992,726									17,894,249	17,894,249	98,477
Financial assets available for sale		3,711,027							3,711,027			3,711,027
Foreign currency translation adjustment		(107,011)							(107,011)			(107,011)
Comprehensive income		21,596,742										21,498,265	98,477
Increase of non-controlling shareholders' interest		3,265											3,265
Purchase of treasury shares		(9,466)		(9,466)								(9,466)
Capital increase with reserves	[3]		8,000,000				(8,000,000)
Transfers to reserves						754,179	7,353,617				(8,107,796)
Interest on equity and dividends		(7,026,096)									(6,975,782)	(6,975,782)	(50,314)
Balance on at Dec. 31, 2016		105,479,207	51,100,000	(440,514)	35,973	6,807,128	43,220,688	70,496	(398,708)		4,907,381	105,302,444	176,763
Net income		17,314,603									17,089,364	17,089,364	225,239
Financial assets available for sale		2,187,365							2,187,365			2,187,365
Foreign currency translation adjustment		29,002							29,002			29,002
Comprehensive income		19,530,970										19,305,731	225,239
Increase of non-controlling shareholders' interest		2,099											2,099
Capital increase with reserves	[4]		8,000,000				(8,000,000)
Transfers to reserves						732,888	6,720,523				(7,453,411)
Interest on shareholders' equity		(7,318,572)									(7,204,344)	(7,204,344)	(114,228)
Balance on at Dec. 31, 2017		R$ 117693704	R$ 59100000	R$ 440514	R$ 35973	R$ 7540016	R$ 41941211	R$ 70496	R$ 1817659		R$ 7338990	R$ 117403831	R$ 289873
[1]	In 2017, consists, basically of unrealized net gains/losses of marketable securities, classified as available for sale (Notes 21 and 23), whose accumulated effect net of taxes amounts to R$ (1,070,252) thousand (December 2016 - R$ 154,958 thousand);
[2]	At Special Shareholders' Meeting held on March 10, 2015, the shareholders deliberated the increase of Capital stock by R$ 5,000,000 thousand, from R$ 38,100,000 thousand to R$ 43,100,000 thousand, through capitalization of part of the balance of the caption 'Profit reserves - Statutory Reserve', in conformity with Article 169 of Law No. 6.404/76, with bonus of 20% in shares, with issuance of 841,454,808 new registered shares, without par value, of which 420,727,426 are common and 420,727,382 are preferred shares. These shares are granted to the shareholders, free of charge, as bonus, at the proportion of two (2) new share to each ten (10) shares of the same type held by them, which benefits the shareholders enrolled in the records of Bradesco on March 26, 2015;
[3]	At Special Shareholders' Meeting held on March 10, 2016, the shareholders approved the Board of Directors' proposal to increase the capital by R$ 8,000,000 thousand, from R$ 43,100,000 thousand to R$ 51,100,000 thousand, with bonus in shares, through capitalization of part of the balance of the caption 'Profit reserves - Statutory Reserve', in conformity with Article 169 of Law No. 6.404/76, with issuance of 504,872,885 new registered shares, without par value, of which 252,436,456 are common and 252,436,429 are preferred shares, which will be granted to the shareholders, free of charge, as bonus, at the proportion of 1 new share to each 10 shares of the same type held by them on the base date; and
[4]	At Special Shareholders' Meeting held on March 10, 2017, the shareholders approved the Board of Directors' proposal to increase the capital by R$ 8,000,000 thousand, from R$ 51,100,000 thousand to R$ 59,100,000 thousand, with bonus in shares, through capitalization of part of the balance of the caption 'Profit reserves - Statutory Reserve', in conformity with Article 169 of Law No. 6.404/76, with issuance of 555,360,173 new registered shares, without par value, of which 277,680,101 are common and 277,680,072 are preferred, which were granted to the shareholders, free of charge, as bonus, at the proportion of 1 new share to each 10 shares of the same type held by them on the base date.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Operating activities
Income before income taxes	R$ 23743559	R$ 31905456	R$ 9603583
Adjustments to reconcile income before income tax to net cash flow from operating activities:
Impairment of loans and advances	16,860,835	15,350,278	14,721,152
Changes in the technical provisions for insurance and pension plans	34,805,771	32,781,918	28,286,039
Net (gains)/losses from disposals of assets available for sale	(2,299,397)	(764,707)	247,288
Expenses with provisions and contingent liabilities	2,471,288	2,518,761	3,510,916
Deferred acquisition cost (insurance)	680,136	194,994	(95,110)
Impairment of assets	1,925,304	2,388,580	650,588
Depreciation	1,237,328	1,140,369	1,057,722
Amortization of intangible assets	3,331,240	2,516,777	1,884,281
Share of profit of associates and joint ventures	(1,718,411)	(1,699,725)	(1,528,051)
Losses on disposal of non-current assets held for sale	577,212	442,251	180,602
Net losses from disposal of property and equipment	106,722	24,791	96,630
(Gains) on sale of investments in associates	(270,977)	0	0
Effect of Changes in Exchange Rates in Cash and Cash equivalents	(806,312)	5,617,747	(2,911,155)
Changes in assets and liabilities:
(Increase)/Decrease in reserve requirement - Central Bank	(8,677,695)	11,651,121	(3,866,979)
(Increase)/decrease in loans and advances to banks	(2,493,535)	10,368,220	2,045,985
(Increase)/decrease in loans and advances to customers	(59,578,512)	(49,649,090)	(95,025,702)
(Increase)/decrease in financial assets held for trading	(23,089,236)	(40,248,319)	(80,159,223)
(Increase)/decrease in other assets	(23,384,107)	(8,296,942)	(32,926,622)
Increase/(decrease) in deposits from banks	3,955,797	33,269,744	40,729,421
Increase/(decrease) in deposits from customers	36,853,866	(6,707,994)	(3,463,924)
Increase/(decrease) in financial liabilities held for trading	839,321	(9,700,099)	16,030,156
Increase/(decrease) in technical provisions for insurance and pension plans	(11,556,181)	(2,042,897)	(3,904,319)
Increase/(decrease) in other provisions	(2,272,970)	(3,019,960)	(2,011,000)
Increase/(decrease) in other liabilities	19,117,355	10,312,756	29,295,296
Interest received	61,743,368	70,917,068	62,725,684
Interest paid	(27,254,361)	(45,140,018)	(38,823,738)
Income tax and social contribution paid	(8,575,438)	(9,771,075)	(7,419,802)
Other changes in taxes	(720,182)	(400,787)	(283,883)
Net cash provided by/(used in) operating activities	35,551,788	53,959,218	(61,354,165)
Investing activities
(Acquisitions)/disposal of subsidiaries, net of cash and cash equivalents paid/received	0	(7,188,659)	0
(Acquisitions) of financial assets available for sale	(114,186,612)	(108,296,179)	(61,153,632)
Proceeds from sale of financial assets available for sale	82,760,146	115,724,092	39,147,316
Maturity of investments held to maturity	4,219,351	0	269,063
(Acquisitions) of investments held to maturity	(204,557)	0	0
Disposal of non-current assets held for sale	796,869	629,768	742,732
(Acquisitions) of investments in associates	(83,172)	(376,434)	(971,672)
Dividends and interest on capital received	845,134	510,285	668,178
(Acquisition) of property and equipment	(1,897,645)	(2,779,321)	(2,181,549)
Sale of premises and equipment	445,347	486,303	205,094
(Acquisition) of intangible assets	(3,743,704)	(2,343,497)	(1,971,881)
Dividends received	83,341	117,972	251,623
Interest received	12,735,539	12,668,011	13,033,426
Net cash provided by/(used in) investing activities	(18,229,963)	9,152,341	(11,961,302)
Financing activities
Funds from securities issued	62,237,380	47,253,373	68,385,187
Payments on securities issued	(72,494,509)	(47,861,607)	(49,217,829)
Issuance of subordinated debts	6,594,610	3,787,207	11,304,318
Payments on subordinated debts	(8,666,038)	(581,713)	(1,271,261)
Acquisition of treasury shares	0	(9,466)	(133,033)
Increase/(decrease) of non-controlling interest	2,099	3,265	28,446
Interest paid	(24,465,562)	(20,504,528)	(11,093,967)
Interest on equity and dividends paid	(6,512,102)	(5,611,350)	(5,007,596)
Net cash provided by/(used in) financing activities	(43,304,122)	(23,524,819)	12,994,265
(Decrease)/Increase in cash and cash equivalents	(25,982,297)	39,586,740	(60,321,202)
Cash and cash equivalents
At the beginning of the year	181,230,427	147,261,434	204,671,481
Effect of Changes in Exchange Rates in Cash and Cash equivalents	806,312	(5,617,747)	2,911,155
At the end of the year	156,054,442	181,230,427	147,261,434
(Decrease)/Increase in cash and cash equivalents	(25,982,297)	39,586,740	(60,321,202)
Non-cash transactions
Credit operations transferred to non-current assets held for sale	1,953,996	2,122,871	1,591,998
Dividends and interest on equity declared but not yet paid	4,295,314	4,482,718	3,622,958
Unrealized (gains)/losses on securities available for sale	R$ 2187365	R$ 3711027	R$ 3403920

General information

General information	12 Months Ended
	Dec. 31, 2017
General information [Abstract]
General information	1. General information Banco Bradesco S.A. and subsidiaries (“Bradesco”, the “Bank”, the “Company” or the “Organization”) is a publicly-traded company established according to the laws of the Federative Republic of Brazil with headquarters in the city of Osasco, state of São Paulo, Brazil. Bradesco is a bank that provides multiple services within two segments: banking and insurance. The Bank complies with Brazilian banking regulations and operates throughout all of Brazil. The banking segment includes a range of banking activities, serving individual and corporate customers in the following operations: investment banking, national and international banking operations, asset management operations and consortium administration. The insurance segment covers auto, health, life, accident and property insurance and pension plans as well as capitalization bonds. The retail banking products include demand deposits, savings deposits, time deposits, mutual funds, foreign exchange services and a range of loans and advances , including overdrafts, credit cards and loans with repayments in installments. The services provided to corporate entities include fund management and treasury services, foreign exchange operations, corporate finance and investment banking services, hedge and finance operations including working capital financing, lease and loans with repayments in installments. These services are provided, mainly, in domestic markets, but also include international services on a smaller scale. The Organization was originally listed on the São Paulo Stock Exchange (“B3”) and then subsequently on the New York Stock Exchange (“NYSE”). The consolidated financial statements, in accordance with the IFRS, were approved by the Board of Directors on March 07, 2018.

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies [Abstract]
Significant Accounting Policies	2. Significant Accounting Policies These consolidated financial statements of the Organization were prepared in accordance with the International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB). The consolidated financial statements include the consolidated statements of financial position, consolidated statements of income, consolidated statements of comprehensive income, consolidated statements of changes in equity and consolidated statements of cash flows as well as the notes to the consolidated financial statements. These consolidated financial statements have been prepared based on historical cost, except for the following material items in the balance sheet: available for sale measured at fair value, assets and liabilities held for trading measured at fair value and financial instruments designated at fair value through profit or loss, and defined-benefit liabilities that are recognized at the present value of the defined benefit obligation less the net total of the plan assets, plus unrecognized actuarial gains less the cost of past services not recognized. The Organization has classified its expenses according to their nature. The consolidated statement of cash flows shows the changes in cash and cash equivalents during the year arising from operating, investing and financing activities. Cash and cash equivalents include highly liquid investments. Note 19 details the accounts of the consolidated statement of financial position that comprise cash and cash equivalents. The consolidated statement of cash flows is prepared using the indirect method. Accordingly, the income before taxes was adjusted by non-cash items such as provisions, depreciation, amortization and Impairment losses on loans and advances. The interest and dividend received and paid are classified as operating, financing or investment cash flows according to the nature of the corresponding assets and liabilities. The preparation of the consolidated financial statements requires the use of estimates and assumptions which affect the reported amounts of assets and liabilities, as well as the disclosure of contingent assets and liabilities at the date of the financial statements, and the profit and loss amounts for the year. The consolidated financial statements also reflect various estimates and assumptions, including, but not limited to: adjustments to the impairment provision of loans and advances; estimates of the fair value of financial instruments; depreciation and amortization rates; impairment losses on assets; the useful life of intangible assets; evaluation of the realization of tax assets; assumptions for the calculation of technical provisions for insurance, supplemental pension plans and capitalization bonds; provisions for contingencies and provisions for potential losses arising from fiscal and tax uncertainties. The areas involving a higher degree of judgment or complexity, or areas where assumptions and estimates are significant to the consolidated financial statements are disclosed in Note 4. The accounting policies listed below were used in all the periods presented and by all the companies of the Organization. 2.1 Recent Acquisitions In August, 2015, Bradesco signed the Purchase and Sale of Shares Agreement with HSBC Latin America Holdings Limited for the acquisition of 100% of the equity of HSBC Bank Brasil S.A. (“HSBC Bank”) and HSBC Serviços e Participações Ltda. (“HSBC Serviços”). In June 2016, the final approval of regulatory agencies was given in compliance with legal formalities. With the conclusion of the acquisition, on July 1, 2016, Bradesco assumed all operations of HSBC in Brazil, including retail, insurance and asset management, as well as all the branches and clients, reinforcing its presence and competitiveness throughout the national territory. In July 2016, there was a total division of the equity of HSBC Serviços, where portions of this equity were transferred to HSBC Bank and to Credival Participações, Administração e Assessoria Ltda. (Credival), that is a wholly owned subsidiary of HSBC Bank. In October 2016, approval was granted in an Extraordinary General Meeting for the partial spin-off of HSBC Brasil, through the absorption of portions of its equity by companies of the Organization, enabling progress with the integration of operational and technological platforms, resulting in the replacement of the HSBC brand in its service network, becoming Bradesco. Thus, Bradesco began to operate with a unified platform (branches, ATMs, and systems), to which all clients have access to. Bradesco adds, from now on the products and services already offered to HSBC Brasil clients, a nationwide service network, a state-of-the-art technology platform, and an even more extensive portfolio of products and services. See below the summarized balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil) at the date of acquisition: R$ thousand Accounting Adjustments Fair Value (1) Cash and cash equivalents 8,476,708 - 8,476,708 Desposits with the central banks 14,895,767 - 14,895,767 Loans and advances 69,364,585 (1,650,016) 67,714,569 Financial assets held for trading 20,881,824 - 20,881,824 Financial assets available for sale 23,745,717 - 23,745,717 Investments held to maturity 13,450 22,411 35,861 Property and equipment, net of accumulated depreciation 1,175,554 622,246 1,797,800 Intangible assets 558,015 3,993,743 4,551,758 Other assets 25,808,692 848,699 26,657,391 Deposits from banks (7,808,801) - (7,808,801) Deposits from customers (56,766,587) - (56,766,587) Financial liabilities held for trading (3,790,048) - (3,790,048) Funds from securities issued (40,187,105) (64,701) (40,251,806) Subordinated debt (1,401,348) - (1,401,348) Provisions (3,429,291) - (3,429,291) Other liabilities (42,242,831) - (42,242,831) Sub-total 9,294,301 13,066,683 Goodwill - 4,221,787 4,221,787 Total amount of s hareholders' equity acquired 9,294,301 17,288,470 (1) Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition. The fair value of the consideration transferred was composed as follows: R$ thousand Payment to HSBC Latin America Holding Limited, net of adjustment after closure (1) 15,665,367 Adjustment to the cost acquisition related to the fair value of the firm commitment (2) 1,623,103 Fair value of the consideration transferred 17,288,470 (1) Includes the IOF collection, and withholding Income Tax; and (2) Includes the results from changes to the fair value of the firm commitment attributable to the hedged risk that was recognized in the statement in the financial position h ired with the objective of protecting the effects of exchange rate variation of the firm commitment, though the use of a hedging instrument derivative. In December 2016, Bradesco, based on a study report on purchase price allocation ("PPA"), prepared by a contracted specialized and independent company, made the allocation of the fair value of assets acquired and liabilities assumed by HSBC Brasil, as follows: R$ thousand Shareholders' equity acquired 9,294,301 Fair value of assets acquired and liabilities assumed (221,361) Intangible assets acquired 3,993,743 Goodwill in the acquisition of the "HSBC Bank" and "HSBC Serviços" investments 4,221,787 Fair value of the consideration transferred 17,288,470 These acquisitions were recorded on the business combination method and the companies were consolidated from the date that the majority control was acquired. The goodwill on acquisition, in the amount of R$ 4,221,787 thousand, recorded by Bradesco, is not amortized and is subject to annual impairment test. Goodwill is attributed to the expected future profitability of the respective businesses acquired and to the strengthening of Bradesco's strategy to strengthen its presence throughout the national territory, giving a greater degree of competition in a highly competitive market, so as to take advantage of the synergies generated by the products and base of HSBC Brasil customers, which are complementary. 2.2 Consolidation The consolidated financial statements include the financial statements of Bradesco and those of its direct and indirect subsidiaries, including exclusive mutual funds and special purpose entities. The main subsidiaries included in the consolidated financial statements are as follows: Activity Country Shareholding interest December 31 2017 2016 Banco Alvorada S.A. Banking Brazil 99.99% 99.99% Banco Bradesco Financiamentos S.A. Banking Brazil 100.00% 100.00% Banco Boavista Interatlântico S.A. (1) Banking Brazil - 100.00% Banco Bradesco Argentina S.A. Banking Argentina 99.99% 99.99% Banco Bradesco Europa S.A. Banking Luxembourg 100.00% 100.00% Banco Bradesco BERJ S.A. Banking Brazil 100.00% 100.00% Banco Bradescard S.A. Cards Brazil 100.00% 100.00% Banco Bradesco BBI S.A. (1) Investment bank Brazil 99.85% 99.81% Banco Bradesco Cartões S.A. Cards Brazil 100.00% 100.00% Bradesco Administradora de Consórcios Ltda. (2) Consortium Management Brazil 100.00% 100.00% Bradseg Participações S.A. Holding Brazil 100.00% 100.00% Bradesco Auto/RE Cia. de Seguros Insurance Brazil 100.00% 100.00% Bradesco Capitalização S.A. Capitalization bonds Brazil 100.00% 100.00% Odontoprev S.A. Dental care Brazil 50.01% 50.01% Bradesco Leasing S.A. Arrendamento Mercantil Leasing Brazil 100.00% 100.00% Ágora Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 100.00% 100.00% Bradesco S.A. Corretora de Títulos e Valores Mobiliários Brokerage Brazil 100.00% 100.00% Bradesco Saúde S.A. Insurance / Health Brazil 100.00% 100.00% Bradesco Seguros S.A. Insurance Brazil 100.00% 100.00% Bradesco Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Bradesplan Participações Ltda. Holding Brazil 100.00% 100.00% BRAM - Bradesco Asset Management S.A. DTVM Asset Management Brazil 100.00% 100.00% Tempo Serviços Ltda. Services Brazil 100.00% 100.00% União Participações Ltda. Holding Brazil 100.00% 100.00% Banco Losango S.A. Banking Brazil 100.00% 100.00% Kirton Administradora de Consórcios Ltda (2) Consortium management Brazil - 100.00% Kirton Bank Brasil S.A. Banking Brazil 100.00% 100.00% Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 99.97% 99.97% Kirton Capitalização S.A. (3) Capitalization bonds Brazil 100.00% 99.97% Kirton Seguros S.A. (4) (5) Insurance Brazil 98.54% 98.08% Kirton Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Kirton Participações e Investimentos Ltda (5) Holding Brazil - 100.00% (1) In November, 2017, Banco Boavista Interatlântico S.A. was merged into Banco Bradesco BBI S.A. with an increase in subscription for shares; (2) In May 2017, Kirton Administradora de Consórcios Ltda. was merged into Bradesco Administradora de Consórcios Ltda.; (3) Increase in interest, by means of acquisition of shares held by minority shareholders; (4) Increase in interest by means of subscription of shares in July 2017; and (5) Company merged into Kirton Seguros S.A., in July 2017. Subsidiaries Subsidiaries are all of the companies over which the Organization, has control. The Organization has control over an investee if it is exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee. The subsidiaries are fully consolidated from the date at which the Organization obtains control over its activities until the date this control ceases. For acquisitions meeting the definition of a business combination, the acquisition method of accounting is used. The cost of an acquisition is measured as the fair value of the consideration, including assets given, equity instruments issued and liabilities incurred or assumed at the date of exchange. Identifiable assets acquired and liabilities and contingent liabilities assumed in a business combination are measured initially at their fair values at the acquisition date, irrespective of the extent of any non-controlling interest. The excess of the consideration given over the fair value of the Organization's share of the identifiable net assets and non-controlling interest acquired is recorded as goodwill. Any goodwill arising from business combinations is tested for impairment at least once a year and whenever events or changes in circumstances may indicate the need for an impairment write-down. If the cost of acquisition is less than the fair value of the Organization's share of the net assets acquired, the difference is recognized directly in the consolidated statement of income. For acquisitions not meeting the definition of a business combination, the Organization allocates the cost between the individual identifiable assets and liabilities. The cost of acquired assets and liabilities is determined by (a) recognizing financial assets and liabilities at their fair value at the acquisition date; and (b) allocating the remaining balance of the cost of purchasing assets and assuming liabilities to individual assets and liabilities, other than financial instruments, based on their relative fair values of these instruments at the acquisition date. Associates Companies are classified as associates if the Organization has significant influence, but not control, over the operating and financial management policy decisions. Normally significant influence is presumed when the Organization holds in excess of 20%, but no more than 50%, of the voting rights. Even if less than 20% of the voting rights are held, the Organization could still have significant influence through its participation in the management of the investee or representations on its Board of Directors, providing it has executive power; i.e. voting power. Investments in associates are recorded in the Organization's consolidated financial statements using the equity method and are initially recognized at cost. The investments in associates include goodwill (net of any impairment losses) identified at the time of acquisition. Joint ventures The Organization has contractual agreements in which two or more parties undertake activities subject to joint control. Joint control is the contractual sharing of control over an activity and it exists only if strategic, financial and operating decisions are made on a unanimous basis by the parties. A joint venture is an arrangement in which the Group has joint control, whereby the Group has rights to the arrangement, rather than rights to its assets and obligations for its liabilities. Investments in joint ventures are recorded in the consolidated financial statements of the Organization using the equity method. Structured entities A structured entity is an entity that has been designed such that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when any voting rights relate to administrative tasks only and the relevant activities are directed by means of contractual arrangements. Structured entities normally have some or all of the following features or characteristics: • restricted activities; • a narrow and well-defined objective, such as, to effect a specific structure like a tax efficient lease, to perform research and development activities, or to provide a source of capital or funding to an entity or to provide investment opportunities for investors by passing risks and rewards associated with the assets of the structured entity to investors; • thin capitalisation, that is, the proportion of ‘real' equity is too small to support the structured entity's overall activities without subordinated financial support; and • financing in the form of multiple contractually linked instruments to investors that create concentrations of credit risk or other risks (tranches). Transactions with and interests of non-controlling shareholders The Organization applies a policy of treating transactions with non-controlling interests as transactions with equity owners of the Bank. For purchases of equity from non-controlling interests, the difference between any consideration paid and the share of the carrying value of net assets of the subsidiary acquired is recorded in equity. Gains or losses on sales to non-controlling shareholders are also recorded in equity. Profits or losses attributable to non-controlling interests are presented in the consolidated statements of income under this title. Balances and transactions eliminated in the consolidation Intra-group transactions and balances (except for foreign currency transaction gains and losses) are eliminated in the consolidation process, including any unrealized profits or losses resulting from operations between the companies except when unrealized losses indicate an impairment loss of the asset transferred which should be recognized in the consolidated financial statements. Consistent accounting policies as well as similar valuation methods for similar transactions, events and circumstances are used throughout the Organization for the purposes of consolidation. 2.3 Foreign currency translation Functional and presentation currency Items included in the financial statements of each of the Organization's entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). The consolidated financial statements are presented in Brazilian Reais (R$), which is the Organization's presentation currency. The domestic and foreign subsidiaries use the Real as their functional currency, with the exception of the subsidiary in Mexico, which uses the Mexican Peso as its functional currency. Transactions and balances Foreign currency transactions, which are denominated or settled in a foreign currency, are translated into the functional currency using the exchange rates prevailing on the dates of the transactions. Monetary items denominated in foreign currency are translated at the closing exchange rate as at the reporting date. Non-monetary items measured at historical cost denominated in a foreign currency are translated at the exchange rate on the date of initial recognition; non-monetary items in a foreign currency that are measured at fair value are translated using the exchange rates on the date when the fair value was determined. Foreign exchange gains and losses resulting from the settlement of foreign currency transactions and from the translation at each period exchange rates of monetary assets and liabilities denominated in foreign currencies are recognized in the consolidated statement of income as “Net gains/(losses) of foreign currency transactions”. In the case of changes in the fair value of monetary assets denominated in foreign currency classified as available for sale, a distinction is made between translation differences resulting from changes in amortized cost of the security and other changes in the carrying amount of the security. Translation differences related to changes in the amortized cost are recognized in the consolidated statement of income, and other changes in the carrying amount, except impairment, are recognized in equity. Foreign operations The results and financial position of all foreign operations (none of which has the currency of a hyperinflationary economy) that have a functional currency different from the presentation currency are translated into the presentation currency as follows: · Assets and liabilities for each consolidated statement of financial position presented are translated at the closing rate at the reporting date; · Income and expenses for each consolidated statement of income are translated at average exchange rates (unless this average is not a reasonable approximation of the cumulative effect of the rate prevailing on the transaction dates, in which case income and expenses are translated at the rates in effect on the dates of the transactions); and · All resulting exchange differences are recognized in other comprehensive income. Exchange differences arising from the above process are reported in equity as “Foreign currency translation adjustment”. On consolidation, exchange differences arising from the translation of the net investment in foreign entities are taken to ‘Other comprehensive income'. If the operation is a non-wholly owned subsidiary, then the relevant proportion of the transaction difference is allocated to the non-controlling interest. When a foreign operation is partially sold or disposed, such exchange differences, which were recognized in equity, are recognized in the consolidated statement of income as part of the gain or loss on sale. 2.4 Cash and cash equivalents Cash and cash equivalents include: cash, bank deposits, unrestricted balances held with the Central Bank of Brazil and other highly liquid short-term investments, with original maturities of three months or less and which are subject to insignificant risk of changes in fair value, used by the Organization to manage its short-term commitments. See Note 19(b) - “Cash and cash equivalents”. 2.5 Sale and repurchase agreements Securities sold subject to repurchase agreements are presented in the consolidated financial statements in “Financial assets pledged as collateral”. The counterparty liability is included in “Deposits from Banks”. Securities purchased under agreements to resell are recorded in “Loans and advances to banks” or “Loans and advances to customers”, as appropriate. The difference between sale and repurchase price is treated as interest in the consolidated statement of income and recognized over the life of the agreements using the effective interest rate method. 2.6 Financial assets and liabilities Financial assets The Organization classifies financial assets in the following four categories: measured at fair value through profit or loss; available for sale; held to maturity and loans and receivables. The classification depends on the purpose for which the financial assets were acquired. Management determines the classification of financial assets upon initial recognition. • Measured at fair value through profit or loss Financial assets are initially recorded at fair value with subsequent changes to the fair value recognized immediately in profit or loss. These assets can be subdivided into two distinct classifications at the time of initial recognition: financial assets designated at fair value through profit or loss and financial assets held for trading. - Financial assets designated at fair value through profit or loss The Organization does not have any financial assets designated at fair value through profit or loss. - Financial assets held for trading (non-derivatives) A financial asset is classified as held for trading if it is acquired by Management for the purpose of selling it in the short term or if it is part of a portfolio of identified financial instruments that are managed together for short-term profit or position taking. Derivative financial instruments are also categorized as held for trading. Financial assets held for trading are initially recognized in the consolidated statement of financial position at fair value and the transaction costs are recorded directly in the consolidated statement of income. Realized and unrealized gains and losses arising from changes in fair value of non derivative assets are recognized directly in the consolidated statement of income under “Net gains and losses from financial instruments held for trading.” Interest income on financial assets held for trading are included in “Net interest income”. For the treatment of derivative assets see Note 2(f)(iii). · Financial assets available for sale Financial assets available-for-sale are non-derivative financial assets that are intended to be held for an undefined period of time, which may be sold in response to needs for liquidity or changes in interest rates, exchange rates, equity prices or that are not classified as loans and receivables, held-to-maturity investments or financial assets at fair value through profit or loss. Financial assets available-for-sale are initially recognized at fair value, which is the cash consideration including any transaction costs and, subsequently, are measured at fair value with gains and losses being recognized in the consolidated statement of other comprehensive income, except for impairment losses and foreign exchange gains and losses on debt securities, until the financial asset is derecognized. If a financial asset available-for-sale is determined to be impaired, the cumulative gain or loss previously recognized in other comprehensive income is recognized in the consolidated statement of income. Interest is recognized in the consolidated statement of income using the effective interest method. Dividends on available-for-sale equity instruments are recognized in the consolidated statement of income in ‘Dividend income' when the Organization's right to receive payment is established. Exchange gains and losses on investments in debt securities classified as available for sale are recognized in the consolidated statement of income. See Note 2(f)(viii) for more details of the treatment of impairment losses. · Investments held to maturity Investments held to maturity are non-derivative financial assets with fixed or determinable payments and fixed term maturities, which the Organization has the positive intention and ability to hold to maturity, and are not designated as at fair value through profit or loss or available for sale and do not meet the definition of loans and receivables. Investments held to maturity are recognized initially at fair value including direct and incremental costs, and are subsequently recorded at amortized cost, using the effective interest rate method. Interest on investments held-to-maturity is included in the consolidated statement of income and reported as ‘Interest and similar income'. In the case of impairment, the impairment loss is reported as a deduction from the carrying value of the investment and is recognized in the consolidated statement of income. · Loans and receivables Loans and receivables are non-derivative financial assets having fixed or determinable payments that are not quoted in an active market, that have not been designated as “available for sale” or “at fair value through profit or loss” and that the Organization has no intention of selling, either immediately or in the near term. Loans and receivables are initially measured at their fair value plus direct transaction costs and are subsequently valued at amortized cost using the effective interest rate method. Loans and receivables are reported in the consolidated statement of financial position as loans and advances to banks or customers. Interest on loans is included in the consolidated statement of income and is reported as “Interest and similar income”. In the case of impairment, the impairment loss is reported as a deduction in carrying amount of loans and advances, and is recognized in the consolidated statement of income as “Impairment of loans and advances”. Financial liabilities The Organization classifies its financial liabilities under the following categories: measured at fair value through profit and loss and amortized cost. · Measured at fair value through profit and loss These financial liabilities are recorded and measured at fair value and the respective changes in fair value are immediately recognized in the income statement. These liabilities can be subdivided into two different classifications upon initial recognition: financial liabilities designated at fair value through profit and loss and financial liabilities held for trading. - Financial liabilities designated at fair value through profit and loss The Organization does not have any financial liability classified at fair value through profit and loss in income. - Financial liabilities held for trading Financial liabilities held for trading recognized by the Organization are derivative financial instruments. For the treatment of derivatives see Note 2(f)(iii). · Financial liabilities at amortized cost These are financial liabilities that are not classified as at fair value through profit or loss. Initially they are recognized at fair value and, subsequently, are measured at amortized cost. They include deposits from banks and customers, securities issued and subordinated debt securities, among others. Derivative financial instruments and hedge transactions Derivatives are initially recognized at fair value on the date the derivative contract is signed and are, subsequently, re-measured at their fair values with the changes recognized in the income statement under “Net gains and losses from financial instruments for trading.” Fair values are obtained from quoted market prices in active markets (for example, for exchange-traded options), including recent market transactions, and valuation techniques (for example for swaps and foreign currency transactions), such as discounted cash-flow models and options-pricing models, as appropriate. The calculation of fair value, the counterparty's and the entity's own credit risk are considered. Certain derivatives embedded in other financial instruments are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not recorded at fair value through profit or loss. These embedded derivatives are separately accounted for at fair value, with changes in fair value recognized in the consolidated statement of income. Recognition Initially, the Organization recognizes loans and advances, deposits, securities issued and subordinated debts and other financial assets and liabilities on the trade date, in accordance with the contractual provisions of the instrument. Derecognition Financial assets are derecognized when the contractual rights to receive the cash flows from these assets have ceased to exist or the assets have been transferred and substantially all the risks and rewards of ownership of the assets are also transferred. Financial liabilities are derecognized when they have been discharged, paid, redeemed, cancelled or expired. If a renegotiation or modification of terms of an existing financial asset is such that the cash flows of the modified asset are substantially different from those of the original unmodified asset, then the original financial asset is derecognised and the modified financial asset is recognised as a new financial asset and initially measured at fair value. Offsetting financial instruments Financial assets and liabilities are offset and the net amount reported in the consolidated statement of financial position when, the Organization has the intention and the legal enforceable right to offset the recognized amounts on a net basis or realize the asset and settle the liability simultaneously. Determination of fair value The determination of the fair values for the majority of financial assets and liabilities is based on the market price or quotes of security dealers for financial instruments traded in an active market. The fair value for other instruments is determined using valuation techniques. The valuation techniques which include use of recent market transactions, discounted cash flow method, comparison with other instruments similar to those for which there are observable market prices and valuation models. For more common other instruments the Organization uses widely accepted valuation models that consider observable market data in order to determine the fair value of financial instruments. For more complex instruments, the Organization uses own models that are usually developed from standard valuation models. Some of the information included in the models may not be observable in the market and is derived from market prices or rates or may be estimated on the basis of assumptions. The value produced by a model or by a valuation technique is adjusted to reflect various factors, since the valuation techniques do not necessarily reflect all of the factors that market participants take into account during a transaction. The valuations are adjusted to consider the risks of the models, differences between the buy and sell price, credit and liquidity risks, as well as other factors. Management believes that such valuation adjustments are necessary and appropriate for the correct evaluation of the fair value of the financial instruments recorded in the consolidated statement of financial position. Impairment of financial assets (a) Financial assets recognized at amortized cost On each reporting date, t

Estimates and judgments

Estimates and judgments	12 Months Ended
	Dec. 31, 2017
Estimates and judgments [Abstract]
Estimates and judgments	4. Estimates and judgments The Organization makes estimates and judgments that can affect the reported amount of assets and liabilities within the next financial year including the assets and liabilities arising from the acquisition of HSBC Brasil. All estimates and judgments required in conformity with IFRS are best estimates undertaken in accordance with the applicable standard. Such estimates and judgments are continually evaluated and based in our historical experience and a number of other factors including future event expectations, regarded as reasonable, under the current circumstances. The estimates and judgments that have a significant risk and might have a relevant impact on the amounts of assets and liabilities within the next financial year are disclosed below. The actual results may be different from those established by these estimates and premises. Fair value of financial instruments Financial instruments recognized at fair value in our consolidated financial statements consist primarily of financial assets held for trading, including derivatives and financial assets classified as available for sale. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participant at the management date. These financial instruments are categorized within a hierarchy based on the lowest level of input that is significant to the fair value measurement. For instruments classified as level 3, we have to apply a significant amount of our own judgment in arriving at the fair value measurement. We base our judgment decisions on our knowledge and observations of the markets relevant to the individual assets and liabilities, and those judgments may vary based on market conditions. In applying our judgment, we look at a range of third-party prices and transaction volumes to understand and assess the extent of market benchmarks available and the judgments or modeling required in third-party processes. Based on these factors, we determine whether the fair values are observable in active markets or whether the markets are inactive. Imprecision in estimating unobservable market inputs can impact the amount of revenue or loss recorded for a particular position. Furthermore, while we believe our valuation methods are appropriate and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value on the reporting date. For a detailed discussion of the determination of fair value of financial instruments, see Note 3.4. Impairment of financial assets available for sale Periodically, the existence of a reduction in the recoverable value of available-for-sale financial assets is evaluated (see Note 2(f)(viii)(b)). This determination of what is significant or prolonged requires judgment. In making this judgment, the Organization evaluates, among other factors, the volatility in share price, where such variations involve equity securities. In addition, valuations are obtained through market prices or valuation models that require the use of certain assumptions or judgments to estimate fair value. Allowance for impairment on loans and advances Periodically, the Organization reviews its portfolio of loans and advances evaluating the estimated loss for the impairment of its operations. The determination of the amount of the allowance for impairment, by its nature, requires judgments and uses assumptions regarding the loan portfolio, both on a portfolio basis and on an individual basis. When we review our loan portfolio as a whole, several factors can affect our estimate of the likely range of losses, including which methodology we use in measuring historical delinquency rates and what historical period we consider in making those measurements. Additional factors that can affect our determination of the allowance for impairment include: · General economic conditions and conditions in the relevant industry; · Past experience with the relevant debtor or industry, including recent loss experience; · Credit quality trends; · Amounts of loan collateral; · The volume, composition and growth of our loan portfolio; · The Brazilian government's monetary policy; and · Any delays in the receipt of information needed to evaluate loans or to confirm existing credit deterioration. The Organization uses models to assist analysis of the loan portfolio and in determining what impairment should be made. It applies statistical loss factors and other risk indicators to loan pools with similar risk characteristics to arrive at an estimate of incurred losses in the portfolio. Although the models are frequently revised and improved, they are by nature dependent on judgment in relation to the information and estimates. In addition, the volatility of the Brazilian economy is one of the factors that may lead to greater uncertainty in our models than would be expected in more stable macroeconomic environments. Accordingly, our allowance for impairment may not be indicative of future charge-offs. For a sensitivity analysis, we assess the impact of an increase in the probability of default (PD) on the allowance. In this assessment an increase in 10% of the PD on December 31, 2017, would have increased the allowance for impairment by R$ 503,667 thousand. This sensitivity analysis is hypothetical, and is only meant to illustrate the impact that the expectation of defaults have on determining the allowance for loan losses. The process to determine the level of provision for losses from impairment requires estimates and the use of judgment; it is possible that actual losses presented in subsequent periods will differ from those calculated according to current estimates and assumptions. Impairment of goodwill The Organization has to consider at least annually whether the current carrying value of goodwill is impaired. The first step of the process requires the identification of independent Cash-Generating Units and the allocation of goodwill to these units. The carrying amount of the CGU, including the allocated goodwill, is compared to its recoverable amount to determine whether any impairment exists. If the value in use of a cash-generating unit is less than its carrying value, goodwill will be impaired. Detailed calculations may need to be carried out taking into consideration changes in the market in which a business operates (e.g. competitive activity, regulatory change). The value in use is based upon discounting expected pre-tax cash flows at a risk-adjusted interest rate appropriate to the operating unit, the determination of both requires one to exercise one's judgment. While forecasts are compared with actual performance and external economic data, expected cash flows naturally reflect the Organization's view of future performance. Income tax The determination of the amount of our income tax liability is complex, and our assessment is related to our analysis of our deferred tax assets and liabilities and income tax payable. In general, our evaluation requires that we estimate future amounts of current and deferred taxes. Our assessment of the possibility that deferred tax assets are realized is subjective and involves assessments and assumptions that are inherently uncertain in nature. The realization of deferred tax assets is subject to changes in future tax rates and developments in our strategies. The underlying support for our assessments and assumptions could change over time as a result of unforeseen events or circumstances, affecting our determination of the amount of our tax liability. Significant judgment is required in determining whether it is more likely than not that an income tax position will be sustained upon examination, even after the outcome of any related administrative or judicial proceedings based on technical merits. Further judgment is then required to determine the amount of benefit eligible for recognition in our consolidated financial statements. In addition, we have monitored the interpretation of tax laws by, and decisions of, the tax authorities and Courts so that we can adjust any prior judgment of accrued income taxes. These adjustments may also result from our own income tax planning or resolution of income tax controversies, and may be material to our operating results for any given period. For additional information about income tax, see Note 17. Technical insurance provisions Insurance technical provisions (reserves) are liabilities representing estimates of the amounts that will become due at a future date, to or on behalf of our policyholders - see Note 2(o). Expectations of loss ratio, mortality, longevity, length of stay and interest rate are used. These assumptions are based on our experience and are periodically reviewed against industry standards to ensure actuarial credibility. Contingent liabilities The Provisions are regularly reviewed and constituted, where the loss is deemed probable, based on the opinion of the legal counsel, the nature of the lawsuit, similarity to previous lawsuits, complexity and the courts standing. Contingencies classified as Probable Loss are recorded in the Consolidated Statements of Financial Position under "Other Provisions".

Operating segments

Operating segments	12 Months Ended
	Dec. 31, 2017
Operating segments (Tables) [Abstract]
Operating segments	5. Operating segments The Organization operates mainly in the banking and insurance segments. Our banking operations include operations in the retail, middle-market and corporate sectors, lease, international bank operations, investment bank operations and as a private bank. The Organization also conducts banking segment operations through its branches located throughout the country, in branches abroad and through subsidiaries as well as by means of shareholding interests in other companies. Additionally we are engaged in insurance, supplemental pension plans and capitalization bonds through our subsidiary, Bradesco Seguros S.A. and its subsidiaries. The following segment information was prepared based on reports made available to Management to evaluate performance and make decisions regarding the allocation of resources for investments and other purposes. Our Management uses a variety of accounting information, which includes the proportional consolidation of affiliates and joint ventures. Accordingly, the information of the segments shown in the following tables was prepared in accordance with the specific procedures and other provisions of the Financial Institutions Accounting Plan and the total amounts, which correspond to the consolidated information, were prepared in accordance with IFRS, issued by the IASB . The main assumptions for the segmentation of income and expenses include (i) surplus cash invested by the entities operating in insurance, supplemental pension and capitalization bonds are included in this segment, resulting in an increase in net interest income; (ii) salaries and benefits and administrative costs included in the insurance, supplemental pension and capitalization bonds segment consist only of cost directly related to these operations, and (iii) costs incurred in the banking operations segment related to the infrastructure of the branch network and other general indirect expenses have not been allocated between segments. Information by operating segment, reviewed by the Organization and corresponding to the years 2017, 2016 and 2015, is shown below: R$ thousand Year ended December 31, 2017 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 46,997,327 1,857,926 1,787,660 50,642,913 Net fee and commission income 24,143,561 787,014 (2,181,747) 22,748,828 Net gains/(losses) on financial instruments classified as held for trading 6,011,351 3,641,626 (29,869) 9,623,108 Net gains/(losses) on financial instruments classified as available for sale (685,560) 713,425 542,493 570,358 Net gain / (loss) on held-to-maturity investments (54,520) - - (54,520) Net gains/(losses) on foreign currency transactions 1,422,957 - - 1,422,957 Net income from insurance and pension plans - 6,239,990 - 6,239,990 Other operating income/(loss) 6,694,228 10,595,041 512,624 17,801,893 Impairment of loans and advances (17,895,929) - 1,035,094 (16,860,835) Personnel expenses (19,261,590) (1,589,077) 127,402 (20,723,265) Other administrative expenses (17,175,352) (1,391,439) 1,684,330 (16,882,461) Depreciation and amortization (5,555,033) (393,618) 1,380,083 (4,568,568) Other operating income/(expenses) (9,282,411) (889,065) 38,119 (10,133,357) Other operating expense (69,170,315) (4,263,199) 4,265,028 (69,168,486) Income before income taxes and share of profit of associates and joint ventures 8,664,801 8,976,782 4,383,565 22,025,148 Share of profit of associates and joint ventures 1,497,268 217,035 4,108 1,718,411 Income before income taxes 10,162,069 9,193,817 4,387,673 23,743,559 Income tax and social contribution (887,289) (4,156,153) (1,385,514) (6,428,956) Net income for the year 9,274,780 5,037,664 3,002,159 17,314,603 Attributable to controlling shareholders 9,272,962 4,812,425 3,003,977 17,089,364 Attributable to non-controlling interest 1,818 225,239 (1,818) 225,239 Total assets 988,063,541 295,699,951 (59,410,052) 1,224,353,440 Investments in associates and joint ventures 6,364,246 1,847,099 46,039 8,257,384 Total liabilities 875,887,257 257,329,282 (26,556,803) 1,106,659,736 R$ thousand Year ended December 31, 2016 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 49,156,109 5,374,229 2,132,651 56,662,989 Net fee and commission income 20,696,785 651,482 (1,007,216) 20,341,051 Net gains/(losses) on financial instruments classified as held for trading 14,918,934 1,250,639 233,197 16,402,770 Net gains/(losses) on financial instruments classified as available for sale (1,417,647) 805,051 (728,804) (1,341,400) Net gains/(losses) on foreign currency transactions 150,757 - - 150,757 Net income from insurance and pension plans - 4,155,763 - 4,155,763 Other operating income/(loss) 13,652,044 6,211,453 (495,607) 19,367,890 Impairment of loans and advances (18,829,460) - 3,479,182 (15,350,278) Personnel expenses (15,733,611) (1,387,935) 117,763 (17,003,783) Other administrative expenses (14,979,689) (1,331,349) 161,475 (16,149,563) Depreciation and amortization (3,786,599) (365,656) 493,842 (3,658,413) Other operating income/(expenses) (14,421,152) 243,631 173,359 (14,004,162) Other operating expense (67,750,511) (2,841,309) 4,425,621 (66,166,199) Income before income taxes and Share of profit of associates and joint ventures 15,754,427 9,395,855 5,055,449 30,205,731 Share of profit of associates and joint ventures 1,538,058 168,691 (7,024) 1,699,725 Income before income taxes 17,292,485 9,564,546 5,048,425 31,905,456 Income tax and social contribution (7,995,420) (3,915,822) (2,001,488) (13,912,730) Net income for the year 9,297,065 5,648,724 3,046,937 17,992,726 Attributable to controlling shareholders 9,293,766 5,550,662 3,049,821 17,894,249 Attributable to non-controlling interest 3,299 98,062 (2,884) 98,477 Total assets 921,916,290 266,642,197 3,471,169 1,192,029,656 Investments in associates and joint ventures 5,512,372 1,416,617 73,789 7,002,778 Total liabilities 821,182,152 266,143,979 (775,682) 1,086,550,449 R$ thousand Year ended December 31, 2015 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 46,934,849 5,973,694 2,727,499 55,636,042 Net fee and commission income 19,195,003 1,497,890 (2,872,223) 17,820,670 Net gains/(losses) on financial instruments classified as held for trading (7,199,397) (627,343) (425,315) (8,252,055) Net gains/(losses) on financial instruments classified as available for sale (370,947) (353,679) 52,816 (671,810) Net gains/(losses) on foreign currency transactions (3,523,095) - - (3,523,095) Net income from insurance and pension plans - 5,496,147 1,358 5,497,505 Other operating income/(loss) (11,093,439) 4,515,125 (371,141) (6,949,455) Impairment of loans and advances (16,479,985) - 1,758,833 (14,721,152) Personnel expenses (13,103,515) (1,217,211) 262,679 (14,058,047) Other administrative expenses (13,076,913) (1,137,706) 492,649 (13,721,970) Depreciation and amortization (2,752,946) (321,462) 132,405 (2,942,003) Other operating income/(expenses) (11,726,387) (963,525) (298,641) (12,988,553) Other operating expense (57,139,746) (3,639,904) 2,347,925 (58,431,725) Income before income taxes and Share of profit of associates and joint ventures (2,103,333) 8,346,805 1,832,060 8,075,532 Share of profit of associates and joint ventures 1,358,047 166,865 3,139 1,528,051 Income before income taxes (745,286) 8,513,670 1,835,199 9,603,583 Income tax and social contribution 12,621,169 (3,192,918) (793,929) 8,634,322 Net income for the year 11,875,883 5,320,752 1,041,270 18,237,905 Attributable to controlling shareholders 11,874,609 5,215,765 1,042,532 18,132,906 Attributable to non-controlling interest 1,274 104,987 (1,262) 104,999 Total assets 894,579,942 209,789,872 (77,666,292) 1,026,703,522 Investments in associates and joint ventures 4,479,642 1,255,326 80,357 5,815,325 Total liabilities 804,576,173 188,809,573 (57,596,986) 935,788,760 (1) Other operation represents less than 1% of total assets/liabilities and the net income for the year. The main adjustments from the information disclosed in segments columns are related to the difference between the IFRS and the Segment Report Information as impairment for loans and advance and effective interest rate. Our operations are substantially conducted in Brazil. Additionally, as of December 31, 2017, we have a branch in New York, one branch in Grand Cayman, and one branch in London, mainly to complement our banking services and assist in import and export operations for Brazilian customers. Moreover we also have subsidiaries abroad, namely: Banco Bradesco Argentina S.A. (Buenos Aires), Banco Bradesco Europe S.A. (Luxembourg), Bradesco North America LLC (New York), Bradesco Securities, Inc. (New York), Bradesco Securities UK Limited (London), Cidade Capital Markets Ltd. (Grand Cayman), Bradesco Securities Hong Kong Limited (Hong Kong), Bradesco Trade Services Limited (Hong Kong) and Bradescard Mexico, Sociedad de Responsabilidad Limitada (Mexico). No income from transactions with a single customer or counterparty abroad represented 10% of the Organization's income in the period of 2017, 2016 and 2015. All transactions between operating segments are conducted on an arm's length basis, with intra-segment revenue and costs being eliminated in "Other operations, adjustments and eliminations". Income and expenses directly associated with each segment are included in determining business-segment performance.

Net interest income

Net interest income	12 Months Ended
	Dec. 31, 2017
Net interest income [Abstract]
Net interest income	6. Net interest income R$ thousand Years ended December 31 2017 2016 2015 Interest and similar income Loans and advances to banks 5,073,435 8,689,348 8,349,194 Loans and advances to customers: - Loans 64,767,081 69,530,396 62,472,012 - Leasing transactions 254,009 343,626 444,502 Financial assets: - For trading 13,684,574 23,576,526 13,982,927 - Available for sale 11,351,320 11,572,618 11,629,493 - Held to maturity 4,883,103 6,514,933 5,253,616 Pledged as collateral 21,268,934 21,739,202 20,270,191 Compulsory deposits with the Central Bank 4,881,319 5,667,516 4,587,412 Other financial interest income 68,553 66,210 58,905 Total 126,232,328 147,700,375 127,048,252 Interest and similar expenses Deposits from banks: - Interbank deposits (152,550) (127,617) (74,814) - Funding in the open market (22,564,515) (26,767,039) (23,509,785) - Borrowings and onlending (3,068,552) (3,865,411) (3,092,184) Deposits from customers: - Savings accounts (5,730,457) (6,712,509) (6,450,258) - Time deposits (7,536,161) (8,746,203) (5,942,386) Funds from issuance of securities (13,262,613) (17,124,502) (11,570,606) Subordinated debt (5,100,017) (6,298,555) (4,669,830) Insurance technical provisions and pension plans (18,174,550) (21,395,550) (16,102,347) Total (75,589,415) (91,037,386) (71,412,210) Net interest income 50,642,913 56,662,989 55,636,042

Net fee and commission income

Net fee and commission income	12 Months Ended
	Dec. 31, 2017
Net fee and commission income (Tables) [Abstract]
Net fee and commission income	7. Net fee and commission income R$ thousand Years ended December 31 2017 2016 2015 Fee and commission income Credit cards 6,848,855 6,251,963 5,875,029 Current accounts 6,652,711 6,030,640 4,941,947 Collections 1,965,601 1,777,515 1,573,818 Guarantees 1,570,522 1,438,409 1,265,356 Asset management 1,463,469 1,079,653 1,054,424 Consortium management 1,526,660 1,278,753 1,040,109 Custody and brokerage services 754,966 618,750 556,701 Underwriting 801,219 733,530 540,879 Payments 409,267 373,639 382,427 Other 755,558 758,235 626,183 Total 22,748,828 20,341,087 17,856,873 Fee and commission expenses Financial system services - (36) (36,203) Total - (36) (36,203) Net fee and commission income 22,748,828 20,341,051 17,820,670

Net gains_(losses) on financial

Net gains/(losses) on financial instruments classified as held for trading	12 Months Ended
	Dec. 31, 2017
Net gains/(losses) on financial instruments classified as held for trading [Abstract]
Net gains/(losses) on financial instruments classified as held for trading	8. Net gains/(losses) on financial instruments classified as held for trading R$ thousand Years ended December 31 2017 2016 2015 Fixed income securities 9,862,617 4,654,959 (5,174,739) Derivative financial instruments (1,426,160) 10,887,800 (4,267,748) Equity securities 1,186,651 860,011 1,190,432 Total 9,623,108 16,402,770 (8,252,055)

Net gains_(losses) on financi14

Net gains/(losses) on financial instruments classified as available for sale	12 Months Ended
	Dec. 31, 2017
Net gains/(losses) on financial instruments classified as available for sale [Abstract]
Net gains/(losses) on financial instruments classified as available for sale	9. Net gains/(losses) on financial instruments classified as available for sale R$ thousand Years ended December 31 2017 2016 2015 Fixed income securities (1) 49,963 (1,918,595) (346,032) Equity securities (1) 437,054 459,223 (577,401) Dividends received 83,341 117,972 251,623 Total 570,358 (1,341,400) (671,810) (1) Includes impairment losses of R$ 1,729,039 thousand (2016 - R$ 2,106,107 thousand and 2015 - R$ 424,552 thousand).

Net gains_(losses) on foreign c

Net gains/(losses) on foreign currency transactions	12 Months Ended
	Dec. 31, 2017
Net gains/(losses) on foreign currency transactions [Abstract]
Net gains/(losses) on foreign currency transactions	10. Net gains/(losses) on foreign currency transactions Net gains and losses on foreign currency transactions primarily consists of gains or losses from currency trading and translation of monetary items from a foreign currency into the functional currency.

Net income from insurance and p

Net income from insurance and pension plans	12 Months Ended
	Dec. 31, 2017
Net income from insurance and pension plans [Abstract]
Net income from insurance and pension plans	11. Net income from insurance and pension plans R$ thousand Years ended December 31 2017 2016 2015 Written premiums 65,864,591 62,470,571 55,920,681 Supplemental pension plan contributions 5,090,043 3,679,922 3,795,219 Granted coinsurance premiums (49,715) (70,862) (88,612) Refunded premiums (667,196) (746,244) (522,309) Net written premiums earned 70,237,723 65,333,387 59,104,979 Reinsurance premiums paid (191,088) (306,265) (344,199) Premiums retained from insurance and pension plans 70,046,635 65,027,122 58,760,780 Changes in the provision for insurance (30,435,868) (29,729,884) (25,528,076) Changes in the provision for private pension plans (4,369,903) (3,052,034) (2,757,963) Changes in the technical provisions for insurance and pension plans (34,805,771) (32,781,918) (28,286,039) Reported indemnities (25,924,687) (24,877,804) (21,658,594) Claims expenses (36,068) (119,201) (69,599) Recovery of ceded coinsurance 35,332 65,285 87,053 Recovery of reinsurance 116,913 141,711 407,195 Salvage recoveries 488,057 451,930 402,718 Changes in the IBNR provision (274,509) (204,354) (892,816) Retained claims (25,594,962) (24,542,433) (21,724,043) Commissions on premiums (2,700,131) (2,696,002) (1,985,426) Recovery of commissions 19,334 29,927 21,700 Fees (403,835) (489,279) (1,201,216) Brokerage expenses - private pension plans (153,552) (167,654) (188,037) Changes in deferred commissions (167,728) (224,000) 99,786 Selling expenses for insurance and pension plans (3,405,912) (3,547,008) (3,253,193) Net income from insurance and pension plans 6,239,990 4,155,763 5,497,505

Impairment of loans and advance

Impairment of loans and advances	12 Months Ended
	Dec. 31, 2017
Impairment of loans and advances [Abstract]
Impairment of loans and advances	12. Impairment of loans and advances R$ thousand Years ended December 31 2017 2016 2015 Loans and receivables: Impairment losses (25,780,383) (22,357,042) (19,527,976) Recovery of credits charged-off as losses 7,034,857 5,507,507 4,144,879 Reversal of impairment 1,884,691 1,499,257 661,945 Total (16,860,835) (15,350,278) (14,721,152)

Personnel expenses

Personnel expenses	12 Months Ended
	Dec. 31, 2017
Personnel expenses [Abstract]
Personnel expenses	13. Personnel expenses R$ thousand Years ended December 31 2017 2016 2015 Salaries (9,170,556) (8,236,617) (6,369,727) Benefits (5,385,133) (3,625,796) (2,994,155) Social security charges (3,505,290) (2,862,067) (2,402,112) Employee profit sharing (1,572,472) (1,451,310) (1,304,958) Provision for labor claims (927,136) (663,124) (853,660) Training (162,678) (164,869) (133,435) Total (1) (20,723,265) (17,003,783) (14,058,047) (1) Includes the effects of the Special Voluntary Termination Plan (Note 43).

Other administrative expenses

Other administrative expenses	12 Months Ended
	Dec. 31, 2017
Other administrative expenses [Abstract]
Other administrative expenses	14. Other administrative expenses R$ thousand Years ended December 31 2017 2016 2015 Outsourced services (4,748,308) (4,871,194) (4,139,058) Communication (1,684,153) (1,653,055) (1,427,685) Data processing (2,117,085) (1,612,454) (1,222,433) Advertising and marketing (942,851) (1,124,659) (963,308) Asset maintenance (1,158,840) (1,060,856) (926,001) Financial system (1,033,017) (1,047,618) (830,199) Rental (1,142,166) (1,027,561) (887,412) Security and surveillance (818,221) (736,547) (606,292) Transport (782,444) (719,842) (631,085) Water, electricity and gas (405,515) (384,069) (339,267) Advances to FGC (Deposit Guarantee Association) (418,670) (355,540) (303,094) Supplies (263,527) (321,509) (315,135) Travel (261,911) (174,772) (157,723) Other (1,105,753) (1,059,887) (973,278) Total (16,882,461) (16,149,563) (13,721,970)

Depreciation and amortization

Depreciation and amortization	12 Months Ended
	Dec. 31, 2017
Depreciation and amortization [Abstract]
Depreciation and amortization	15. Depreciation and amortization R$ thousand Years ended December 31 2017 2016 2015 Amortization expenses (3,331,240) (2,516,777) (1,884,281) Depreciation expenses (1,237,328) (1,141,636) (1,057,722) Total (4,568,568) (3,658,413) (2,942,003)

Other operating income_(expense

Other operating income/(expenses)	12 Months Ended
	Dec. 31, 2017
Other operating income/(expenses) [Abstract]
Other operating income/(expenses)	16. Other operating income/(expenses) R$ thousand Years ended December 31 2017 2016 2015 Tax expenses (5,960,618) (6,331,651) (4,791,754) Legal provision (1,238,057) (2,927,734) (1,439,460) Variation in monetary liabilities 31,710 (699,719) (597,240) Income from sales of non-current assets, investments, and property and equipment, net (412,957) (467,042) (277,232) Other (1) (2,553,435) (3,578,016) (5,882,867) Total (10,133,357) (14,004,162) (12,988,553) (1) Includes: (i) the effect of the (additions)/reversal of provision for tax contingency in 2017 - R$ 487,269 thousand (2016 - R$ (484,227) thousand and 2015 - R$ (570,835) thousand); (ii) impairment losses in the amount of 2017 - R$ 185,188 thousand (2016 - R$ 31,256 thousand and 2015 - R$ 207,880 thousand); and (iii) operating expense related of insurance operation in 2017 - R$ 1,354,719 thousand (2016 - R$ 1,388,645 thousand and 2015 - R$ 1,281,381 thousand).

Income tax and social contribut

Income tax and social contribution	12 Months Ended
	Dec. 31, 2017
Income tax and social contribution [Abstract]
Income tax and social contribution	17. Income tax and social contribution a) Calculation of income tax and social contribution charges R$ thousand Years ended December 31 2017 2016 2015 Income before income tax and social contribution 23,743,559 31,905,456 9,603,583 Total burden of income tax and social contribution at the current rates (1) (10,684,602) (14,357,455) (4,321,612) Effect of additions and exclusions in the tax calculation: Earnings (losses) of associates and joint ventures 773,285 764,876 687,623 Interest on shareholders' equity (paid and payable) 3,241,955 3,139,102 2,305,695 Net tax credit of deferred liabilities (2) 2,341,220 Other amounts (3) 240,406 (3,459,253) 7,621,396 Income tax and social contribution for the period (6,428,956) (13,912,730) 8,634,322 Effective rate 27.1% 43.6% -89.9% (1) Current rates: (i) 25% for income tax; (ii) of 15% for the social contribution to financial and equated companies, and of the insurance industry, and of 20%, from September 2015 to December 2018, in accordance with Law n o 13,169/15; and (iii) of 9% for the other companies (Note 2w); (2) In 2015, refers to, constitution of deferred tax assets, net of deferred liabilities, related to the increase in the social contribution tax rate, according to Law n o 13,169/15; and (3) Basically, includes, (i) the exchange rate variation of assets and liabilities, derived from investments abroad; (ii) the equalization of the effective rate of social contribution in relation to the rate of 45% shown; and (iii) the deduction incentives. b) Composition of income tax and social contribution in the consolidated statement of income R$ thousand Years ended December 31 2017 2016 2015 Current taxes: Income tax and social contribution payable (8,788,060) (8,852,947) (6,075,948) Deferred taxes: Net Addition/(realization) of temporary differences 2,950,961 (4,106,008) 11,424,595 Use of opening balances of: Social contribution loss (430,584) (647,282) (127,214) Income tax loss (331,512) (879,276) (65,224) Addition on: Social contribution loss 150,371 234,730 272,793 Income tax loss 19,868 338,053 731,419 Activation of the tax credit - Law No. 13,169/15: Social contribution loss - - 422,853 Temporary additions - - 2,051,048 Total deferred tax expense 2,359,104 (5,059,783) 14,710,270 Income tax and social contribution (6,428,956) (13,912,730) 8,634,322 c) Deferred income tax and social contribution presented in the consolidated statement of financial position R$ thousand Balance on December 31, 2016 Amount recorded Realized / Decrease (4) Balance on December 31, 2017 Provisions of impairment of loans and advances 23,011,653 12,264,028 8,771,818 26,503,863 Provision for contingencies 7,351,234 1,782,500 1,907,251 7,226,483 Adjustment to market value of securities 5,488,482 1,724,016 3,268,623 3,943,875 Other 4,681,457 4,773,082 3,644,973 5,809,566 Total tax assets on temporary differences (3) 40,532,826 20,543,626 17,592,665 43,483,787 Income tax and social contribution losses in Brazil and abroad (3) 5,595,729 170,239 762,096 5,003,872 Adjustment to market value of available for sale (3) 493,168 576,732 1,069,900 - Total deferred tax assets (2) 46,621,723 21,290,597 19,424,661 48,487,659 Deferred tax liabilities (2) 3,267,808 3,557,618 817,831 6,007,595 Net deferred taxes (2) 43,353,915 17,732,979 18,606,830 42,480,064 R$ thousand Balance on December 31, 2015 Balance originating from an acquired institution (1) Amount recorded Realized / Decrease Balance on December 31, 2016 Provisions of impairment of loans and advances 22,617,097 3,938,976 12,948,736 16,493,156 23,011,653 Provision for contingencies 5,720,598 1,209,685 2,498,218 2,077,267 7,351,234 Adjustment to market value of securities 7,090,939 109,501 282,741 1,994,699 5,488,482 Other 3,511,581 440,457 3,135,635 2,406,216 4,681,457 Total tax assets on temporary differences (3) 38,940,215 5,698,619 18,865,330 22,971,338 40,532,826 Income tax and social contribution losses in Brazil and abroad (3) 5,761,626 787,878 572,783 1,526,558 5,595,729 Adjustment to market value of available for sale (3) 2,704,484 32,120 393,369 2,636,805 493,168 Social contribution - MP 2,158-35 (change in tax law) 113,783 - - 113,783 - Total deferred tax assets (2) 47,520,108 6,518,617 19,831,482 27,248,484 46,621,723 Deferred tax liabilities (2) 2,894,367 3,592 1,920,479 1,550,630 3,267,808 Net deferred taxes (2) 44,625,741 6,515,025 17,911,003 25,697,854 43,353,915 (1) HSBC Brasil (Note 2a); (2) Deferred income and social contribution tax assets and liabilities are offset in the balance sheet by taxable entity, and were R$ 4,755,748 thousand in 2017 and R$ 1,504,860 thousand in 2016; (3) Deferred tax assets of financial and similar companies and insurance industry were established considering the increase of the social contribution rate, determined by Law 11.727/08 and Law 13.169/15 (Note 2 x); and (4) Includes a write-off of tax credits, in the amount of R$ 150,040 thousand. d) Expected realization of deferred tax assets on temporary differences, tax loss and negative basis of social contribution R$ thousand Temporary differences Income tax and social contribution losses Total Income tax Social contribution Income tax Social contribution 2018 6,189,592 4,778,522 157,668 303,794 11,429,576 2019 6,106,611 3,500,573 143,705 80,058 9,830,947 2020 5,444,841 3,163,487 139,825 78,361 8,826,514 2021 4,408,140 2,609,808 620,279 367,041 8,005,268 2022 2,534,237 1,470,379 732,490 478,318 5,215,424 After 2022 2,100,881 1,176,716 824,042 1,078,291 5,179,930 Total 26,784,302 16,699,485 2,618,009 2,385,863 48,487,659 e) Deferred tax liabilities R$ thousand On December 31 2017 2016 Timing differences of depreciation - finance leasing 283,232 381,119 Adjustment to market value of securities 1,215,588 213,404 Judicial deposit and others 4,508,775 2,673,285 Total 6,007,595 3,267,808 The deferred tax liabilities of companies in the financial and insurance sectors were established considering the increased social contribution rate, established by Law n o 11,727/08 and Law n o 13,169/15 (Note 2x). f) Income tax and social contribution on adjustments recognized directly in equity R$ thousand On December 31, 2017 On December 31, 2016 On December 31, 2015 Before tax Tax (expense)/ benefit Net of tax Before tax Tax (expense)/ benefit Net of tax Before tax Tax (expense)/ benefit Net of tax Financial assets recorded as available for sale 3,418,567 (1,231,202) 2,187,365 6,298,103 (2,587,076) 3,711,027 (5,677,902) 2,273,982 (3,403,920) Exchange differences on translations of foreign operations 23,010 5,992 29,002 (194,566) 87,555 (107,011) 118,485 (57,788) 60,697 Total 3,441,577 (1,225,210) 2,216,367 6,103,537 (2,499,521) 3,604,016 (5,559,417) 2,216,194 (3,343,223) g) Taxes to be offset Refers basically to amount of income tax and social contribution to be offset.

Earnings per share

Earnings per share	12 Months Ended
	Dec. 31, 2017
Earnings per share (Tables) [Abstract]
Earnings per share	18. Earnings per share 1. Basic earnings per share The calculation of basic earnings per share was calculated based on the weighted average number of common and preferred shares outstanding, as shown in the calculations below: Years ended December 31 2017 2016 (1) 2015 (1) Net earnings attributable to the Organization's common shareholders (R$ thousand) 8,157,920 8,542,147 8,652,905 Net earnings attributable to the Organization's preferred shareholders (R$ thousand) 8,931,444 9,352,102 9,480,001 Weighted average number of common shares outstanding (thousands) 3,049,991 3,049,991 3,050,156 Weighted average number of preferred shares outstanding (thousands) 3,035,625 3,035,625 3,037,917 Basic earnings per share attributable to common shareholders of the Organization (in Reais) 2.67 2.80 2.84 Basic earnings per share attributable to preferred shareholders of the Organization (in Reais) 2.94 3.08 3.12 (1) All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017, in the proportion of one new share for every 10 shares held. 2. Diluted earnings per share Diluted earnings per share are the same as basic earnings per share since there are no potentially dilutive instruments.

Cash and cash equivalents

Cash and cash equivalents	12 Months Ended
	Dec. 31, 2017
Cash and cash equivalents [Abstract]
Cash and cash equivalents	19. Cash and cash equivalents a) Cash and balances with banks R$ thousand On December 31 2017 2016 Cash and due from banks in domestic currency 12,939,852 12,432,290 Cash and due from banks in foreign currency 2,088,498 2,085,650 Compulsory deposits with the Central Bank (1) 66,714,226 58,036,531 Other 375 180 Total 81,742,951 72,554,651 (1) Compulsory deposits with the Brazilian Central Bank refer to a minimum balance that financial institutions must maintain at the Brazilian Central Bank based on a percentage of deposits received from third parties. b) Cash and cash equivalents R$ thousand On December 31 2017 2016 Cash and due from banks in domestic currency 12,939,852 12,432,290 Cash and due from banks in foreign currency 2,088,498 2,085,650 Interbank investments (1) 141,025,717 166,712,307 Other 375 180 Total 156,054,442 181,230,427 (1) Refers to operations with maturity date on the effective date of investment equal to or less than 90 days and insignificant risk of change in the fair value. Of this amount, R$ 123,691,195 thousand (2016 - R$ 84,728,590 thousand) refers to reverse repurchase agreements registered as Financial assets pledged as collateral (Note 23) and R$ 17,334,522 thousand (2016 - R$ 81,983,717 thousand) as Loans and advances to banks.

Financial assets and liabilitie

Financial assets and liabilities held for trading	12 Months Ended
	Dec. 31, 2017
Financial assets and liabilities held for trading [Abstract]
Financial assets and liabilities held for trading	20. Financial assets and liabilities held for trading a) Financial assets held for trading R$ thousand On December 31 2017 2016 Financial assets Brazilian government securities 202,249,272 161,103,399 Bank debt securities 8,348,269 18,600,127 Corporate debt and marketable equity securities 12,339,790 10,383,682 Mutual funds 4,377,508 4,303,781 Brazilian sovereign bonds 307 1,358,025 Foreign governments securities 528,010 635,390 Derivative financial instruments 13,866,885 16,755,442 Total 241,710,041 213,139,846 Maturity R$ thousand On December 31 2017 2016 Maturity of up to one year 31,617,538 35,002,911 Maturity of one to five years 146,527,365 134,589,655 Maturity of five to 10 years 53,763,561 29,299,698 Maturity of over 10 years 2,409,723 6,537,358 Maturity not stated 7,391,854 7,710,224 Total 241,710,041 213,139,846 Financial instruments provided as collateral and classified as "held for trading”, totaled R$ 801,182 thousand and R$ 6,282,141 thousand in 2017 and December 2016, respectively, as disclosed in Note 23 "Financial assets pledged as collateral”. The total assets held for trading pledged as a guarantee of liabilities was R$ 5,874,620 thousand (December 2016 - R$ 5,846,093 thousand). Unrealized gains/(losses) on securities and trading securities totaled R$ (4,745,888) thousand in 2017 (2016 - R$ (9,404,052) thousand and 2015 - R$ R$ 7,425,562 thousand). Net variation in unrealized gains/(losses) from securities and trading securities totaled R$ (4,658,164) thousand in 2017 (2016 - R$ (1,978,490) thousand and 2015 - R$ (8,303,360) thousand). b) Financial liabilities held for trading R$ thousand On December 31 2017 2016 Derivative financial instruments 14,274,999 13,435,678 Total 14,274,999 13,435,678 c) Derivative financial instruments The Organization enters into transactions involving derivative financial instruments with a number of customers for the purpose of mitigating their overall risk exposure as well as managing risk exposure. The derivative financial instruments most often used are highly-liquid instruments traded on the futures market (B3). (i) Swap contracts Foreign currency and interest rate swaps are agreements to exchange one set of cash flows for another and result in an economic exchange of foreign currencies or interest rates (for example fixed or variable) or in combinations (i.e. foreign currency and interest rate swaps). There is no exchange of the principal except in certain foreign currency swaps. The Organization's foreign currency risk reflects the potential cost of replacing swap contracts and whether the counterparties fail to comply with their obligations. This risk is continually monitored in relation to the current fair value, the proportion of the notional value of the contracts and the market liquidity. The Organization, to control the level of credit risk assumed, evaluates the counterparties of the contracts using the same techniques used in its loan operations. (ii) Foreign exchange options Foreign exchange options are contracts according to which the seller (option issuer) gives to the buyer (option holder) the right, but not the obligation, to buy (call option) or sell (put option) on a certain date or during a certain period, a specific value in foreign currency. The seller receives from the buyer a premium for assuming the exchange or interest-rate risk. The options can be arranged between the Organization and a customer. The Organization is exposed to credit risk only on purchased options and only for the carrying amount, which is the fair market value. (iii) Foreign currency and interest rate futures Foreign currency and interest rate futures are contractual obligations for the payment or receipt of a net amount based on changes in foreign exchange and interest rates or the purchase or sale of a financial instrument on a future date at a specific price, established by an organized financial market. The credit risk is minimal, since the future contracts are guaranteed in cash or securities and changes in the value of the contracts are settled on a daily basis. Contracts with a forward rate are interest-rate futures operations traded individually which require settlement of the difference between the contracted rate and the current market rate over the value of the principal to be paid in cash at a future date. (iv) Forward transactions A forward operation is a contract of purchase or sale, at a fixed price, for settlement on a certain date. Because it is a futures market, in which the purchase of the share will only be made on the date of maturity, a margin deposit is necessary to guarantee the contract. This margin can be in cash or in securities. The value of the margin varies during the contract according to the variation of the share involved in the operation, to the changes of volatility and liquidity, besides the possible additional margins that the broker could request. The breakdown of the notional and/or contractual values and the fair value of derivatives held for trading by the Organization is as follows: R$ thousand Notional amounts Asset/(liability) On December 31 On December 31 2017 2016 2017 2016 Futures contracts • Interest rate futures Purchases 96,081,180 111,026,397 3,586 9,022 Sales 132,837,699 94,677,587 (154,188) (19,163) • In foreign currency Purchases 48,376,597 27,399,904 1,243 - Sales 67,238,635 58,690,018 (1,003) - • Other Purchases 163,224 48,291 162 - Sales 113,772 967 (114) - Options • Interest rates Purchases 10,663,668 5,467,042 101,214 260,565 Sales 9,616,129 4,755,788 (535,748) (193,768) • In foreign currency Purchases 7,335,027 7,567,515 605,028 57,533 Sales 10,274,094 2,836,294 (409,587) (62,356) • Other Purchases 443,443 27,500 34,013 2,708 Sales 228,141 - (20,188) (6,533) Forward operations • In foreign currency Purchases 10,372,477 16,633,033 218,019 1,599,401 Sales 14,947,271 18,036,706 (358,995) (1,088,041) • Other Purchases 114,020 48,911 497,987 1,586,061 Sales 635,522 1,588,245 (147,138) (1,581,169) Swap contracts • Asset position Interest rate swaps 56,636,856 72,297,999 11,065,095 9,799,949 Currency swaps 6,161,641 7,276,143 1,340,538 3,645,707 • Liability position Interest rate swaps 31,454,647 36,746,464 (11,030,003) (3,718,282) Currency swaps 14,288,568 14,201,872 (1,618,035) (6,766,366) Swaps are contracts of interest rates, foreign currency and cross currency and interest rates in which payments of interest or the principal or in one or two different currencies are exchanged for a contractual period. The risks of swap contracts refer to the potential inability or unwillingness of the counterparties to comply with the contractual terms and the risk associated with changes in market conditions due to changes in the interest rates and the currency exchange rates. The interest rate and currency futures and the forward contracts of interest rates call for subsequent delivery of an instrument at a specific price or specific profitability. The reference values constitute a nominal value of the respective instrument whose variations in price are settled daily. The credit risk associated with futures contracts is minimized due to these daily settlements. Futures contracts are also subject to risk of changes in interest rates or in the value of the respective instruments. The Organization has the following economic hedging transactions: Fair-value hedge of interest-rate risk The Organization uses interest-rate swaps to protect its exposure to changes in the fair value of its fixed income issuances and certain loans and advances. The interest rate swaps are matched with specific issuances or fixed-income loans. Cash-flow hedge of debt securities issued in foreign currency The Organization uses interest-rate swaps in foreign currencies to protect itself against exchange and interest-rate risks arising from the issuance of floating rate debt securities denominated in foreign currencies. The cash flows of foreign-currency interest-rate swaps are compatible with the cash flows of the floating rate debt securities. Market risk hedge The gains and losses, realized or not, of the financial instruments classified in this category, are recorded in the Statement of Income. Hedge of net foreign investments The Organization uses a combination of forward exchange contracts and foreign currency denominated debt to mitigate the exchange-rate risk of its net investments in subsidiaries abroad. The fair value of forward contracts used to protect the net investments in foreign subsidiaries is shown in the previous table. Foreign currency denominated debts used to protect net investments of the Organization in subsidiaries abroad act as a natural hedge of the foreign currency risk and are included in funds from securities issuances (Note 33). Other derivatives designated as hedges The Organization uses this category of instruments to manage its exposure to currency, interest rate, equity market and credit risks. Instruments used include interest-rate swaps, interest-rate swaps in foreign currency, forward contracts, futures, options, credit swaps and stock swaps. The fair value of these derivatives are presented in the previous table. Unobservable gains on initial recognition When the valuation depends on unobservable data any initial gain or loss on financial instruments is deferred over the life of the contract or until the instrument is redeemed, transferred, sold or the fair value becomes observable. All derivatives which are part of the hedge relationships are valued on the basis of observable market data. The nominal values do not reflect the actual risk assumed by the Organization, since the net position of these financial instruments arises from compensation and/or combination thereof. The net position is used by the Organization especially to protect interest rates, the price of the underlying assets or exchange risk. The result of these financial instruments are recognized in “Net gains and losses of financial assets held for trading”, in the consolidated statement of income.

Financial assets available for

Financial assets available for sale	12 Months Ended
	Dec. 31, 2017
Financial assets available for sale (Tables) [Abstract]
Financial assets available for sale	21. Financial assets available for sale R$ thousand Amortized cost Gross unrealized gains Gross unrealized losses Fair value Brazilian government securities 101,822,760 1,881,077 (422,079) 103,281,758 Corporate debt securities 40,875,928 836,715 (1,734,013) 39,978,630 Bank debt securities 1,251,066 169,142 (236,355) 1,183,853 Brazilian sovereign bonds 719,494 27,326 (18,693) 728,127 Foreign governments securities 3,210,554 175 (8,182) 3,202,547 Marketable equity securities and other stocks 11,302,834 620,896 (885,923) 11,037,807 Balance on December 31, 2017 159,182,636 3,535,331 (3,305,245) 159,412,722 Brazilian government securities 58,484,065 1,323,156 (609,193) 59,198,028 Corporate debt securities 43,821,686 1,011,275 (2,690,253) 42,142,708 Bank debt securities 1,626,211 121,745 (188,913) 1,559,043 Brazilian sovereign bonds 395,626 7,319 (1,731) 401,214 Marketable equity securities and other stocks 9,966,872 389,291 (538,602) 9,817,561 Balance on December 31, 2016 114,294,460 2,852,786 (4,028,692) 113,118,554 Maturity R$ thousand On December 31, 2017 On December 31, 2016 Amortized cost Fair value Amortized cost Fair value Due within one year 31,635,369 31,167,067 12,690,168 11,905,872 From 1 to 5 years 83,579,399 83,816,085 60,071,806 60,251,675 From 5 to 10 years 16,004,079 16,363,350 19,677,065 18,994,970 Over 10 years 16,660,955 17,028,413 11,888,549 12,148,476 No stated maturity 11,302,834 11,037,807 9,966,872 9,817,561 Total 159,182,636 159,412,722 114,294,460 113,118,554 Financial instruments pledged as collateral and classified as available for sale, totaled R$ 59,482,796 thousand and R$ 64,275,415 thousand in 2017 and 2016, respectively, as disclosed in Note 23 "Financial Assets Pledged as Collateral". In 2017, the Organization maintained a total of R$ 4,391,259 thousand (2016 - R$ 5,517,516 thousand) financial assets available for sale pledged as a guarantee for liabilities. We have applied our policy for impairment testing described in Note 2(f)(viii)(b) and in 2017 there was objective evidence of loss registered in financial assets available for sale in the amount of R$ 1,729,039 thousand in 2017 (2016 - R$ 2,106,107 thousand and 2015 - R$ 424,522 thousand), included in Note 9.

Investments held to maturity

Investments held to maturity	12 Months Ended
	Dec. 31, 2017
Financial assets pledged as collateral [Abstract]
Investments held to maturity	22. Investments held to maturity R$ thousand Amortized cost Gross unrealized gains Gross unrealized losses Fair value Securities: Brazilian government securities 26,738,940 2,442,844 (6,489) 29,175,295 Corporate debt securities 12,259,564 126,092 (421,874) 11,963,782 Brazilian sovereign bonds 7,614 - (420) 7,194 Balance on December 31, 2017 39,006,118 2,568,936 (428,783) 41,146,271 Securities: Brazilian government securities 30,241,947 2,918,273 (306,566) 32,853,654 Corporate debt securities 12,739,187 28,750 (1,388,614) 11,379,323 Brazilian sovereign bonds 20,894 878 - 21,772 Balance on December 31, 2016 43,002,028 2,947,901 (1,695,180) 44,254,749 Maturity R$ thousand On December 31, 2017 On December 31, 2016 Amortized cost Fair value Amortized cost Fair value Due within one year 29,412 28,998 - - From 1 to 5 years 10,284,940 11,070,179 12,932,440 13,133,746 From 5 to 10 years 1,933,866 1,840,428 3,068,980 2,905,497 Over 10 years 26,757,900 28,206,666 27,000,608 28,215,506 Total 39,006,118 41,146,271 43,002,028 44,254,749 Financial instruments pledged as collateral and classified as held to maturity, totaled R$ 431 thousand in 2016, as disclosed in Note 23 - "Assets Pledged as Collateral". In 2017, the Organization maintained a total of R$ 2,005 thousand (R$1,825 thousand in 2016) as investments held to maturity pledged as a guarantee for liabilities. We applied our Impairment policy, described in Note 2(f)(viii)(b), and in 2017 there was objective evidence of loss in our investments held to maturity in the amount of R$ 54,520 thousand.

Financial assets pledged as col

Financial assets pledged as collateral	12 Months Ended
	Dec. 31, 2017
Financial assets pledged as collateral [Abstract]
Financial assets pledged as collateral	23. Financial assets pledged as collateral R$ thousand On December 31 2017 2016 Held for trading 801,182 6,282,141 Brazilian government securities 801,182 6,282,141 Available for sale (1) 59,482,796 64,275,415 Brazilian government securities 53,039,884 55,530,423 Corporate debt securities 825,287 3,899,878 Bank debt securities 4,904,070 4,742,273 Brazilian sovereign bonds 713,555 102,841 Held to maturity - 431 Brazilian government securities - 431 Loans and advances to banks 123,691,195 84,728,590 Interbank investments (2) 123,691,195 84,728,590 Total 183,975,173 155,286,577 (1) In 2017, includes unrealized gains of R$ 3,246,351 thousand (2016 - R$ 2,052,366 thousand) and unrealized losses of R$ 557,974 thousand (2016 - R$ 1,443,642 thousand); and (2) Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement. Collateral is a conditional commitment to ensure that the contractual clauses of a repurchase agreements are complied with. In these agreements, the amount of R$ 178,964,158 thousand (2016 - R$ 147,673,043 thousand) may be repledged and R$ 5,011,015 thousand (2016 - R$ 7,613,534 thousand), sold or repledged.

Loans and advances to banks

Loans and advances to banks	12 Months Ended
	Dec. 31, 2017
Loans and advances to banks [Abstract]
Loans and advances to banks	24. Loans and advances to banks R$ thousand On December 31 2017 2016 Repurchase agreements 21,045,591 85,178,146 Loans to financial institutions 11,207,614 9,667,388 Impairment of loans and advances (5,481) (7,398) Total 32,247,724 94,838,136

Loans and advances to customers

Loans and advances to customers	12 Months Ended
	Dec. 31, 2017
Loans and advances to customers [Abstract]
Loans and advances to customers	25. Loans and advances to customers R$ thousand On December 31 2017 2016 Working capital 52,700,584 60,390,890 Personal credit (1) 60,570,146 56,255,740 Housing loans 59,963,375 60,458,038 Financing and export 38,272,982 41,983,307 Onlending BNDES/Finame 30,655,666 35,816,560 Credit card 37,568,984 37,407,733 Vehicle loans 24,741,298 23,699,948 Rural loans 13,642,478 14,422,799 Import 5,318,042 7,140,346 Overdraft for corporates 6,587,239 8,583,285 Receivable insurance premiums 4,301,472 5,517,932 Overdraft for individuals 3,582,020 4,209,637 Leasing 2,249,859 2,738,611 Other 33,659,520 33,459,047 Total portfolio 373,813,665 392,083,873 Impairment of loans and advances (27,055,566) (24,780,839) Total of net loans and advances to customers 346,758,099 367,303,034 (1) Includes in 2017 R$ 43,968,511 thousand related to payroll loans (2016 - R$ 38,804,196 thousand). Allowance for loans and advances to customers R$ thousand 2017 2016 At the beginning of the year 24,780,839 25,455,204 Impairment of loans and advances 16,860,835 15,350,278 Recovery of credits charged-off as losses 7,034,857 5,507,507 Write-offs (21,620,965) (21,532,150) At the end of the year 27,055,566 24,780,839 Finance lease receivables Loans and advances to customers include the following finance lease receivables. R$ thousand On December 31 2017 2016 Gross investments in financial leases receivable: Up to one year 1,118,286 1,418,546 From one to five years 1,082,149 1,279,347 Over five years 49,424 40,718 Impairment loss on finance leases (146,812) (186,594) Net investment 2,103,047 2,552,017 Net investments in finance leases: Up to one year 1,034,188 1,300,659 From one to five years 1,021,089 1,212,322 Over five years 47,770 39,036 Total 2,103,047 2,552,017

Non-current assets held for sal

Non-current assets held for sale	12 Months Ended
	Dec. 31, 2017
Non-current assets held for sale [Abstract]
Non-current assets held for sale	26. Non-current assets held for sale R$ thousand On December 31 2017 2016 Assets not for own use Real estate 1,250,380 1,262,126 Vehicles and similar 262,774 308,357 Machinery and equipment 2,037 5,529 Other 5,782 2,954 Total 1,520,973 1,578,966 The properties or other non-current assets received in total or partial settlement of the payment obligations of debtors are considered as non-operating assets held for sale in auctions, which normally occur in up to one year. Therefore, non-current assets held for sale include the book value of the items the Organization intends to sell, which in their current condition is highly probable and expected to occur within a year.

Investments in associates and j

Investments in associates and joint ventures	12 Months Ended
	Dec. 31, 2017
Investments in associates and joint ventures [Abstract]
Investments in associates and joint ventures	27. Investments in associates and joint ventures a. Breakdown of investments in associates and joint ventures Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. (2) 30.06% 30.06% 4,832,660 1,219,202 76,403,596 13,151,540 71,020,292 6,833,491 2,561,394 4,056,077 IRB - Brasil Resseguros S.A. (3) (4) 15.23% 15.23% 543,025 182,432 8,512,491 6,124,173 10,138,711 947,514 3,550,438 1,197,846 Fleury S.A. (3) (6) 16.28% 16.28% 692,380 46,791 1,389,026 2,224,500 615,510 1,263,331 2,609,717 287,414 Aquarius Participações S.A. (7) 49.00% 49.00% 263,630 116,070 242,617 532,707 237,305 - 38 236,878 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 105,649 (22,637) 3,588,848 1,283,453 3,565,394 726,468 5,432,770 (113,185) Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 118,781 16,530 285,871 118,394 33,305 8,320 61,185 39,498 NCR Brasil Indústria de Equipamentos para Automação S.A. (3) (9) 49.00% 49.00% 46,039 4,108 221,809 28,788 141,520 - 1,270 8,384 Tecnologia Bancária S.A. (3) 24.32% 24.32% 108,752 10,209 242,480 75,702 590,872 496,090 2,534,235 41,973 Swiss Re Corporate Solutions Brasil (Nota 43-5) (3) 40.00% 40.00% 463,400 (26,437) 2,178,209 1,511,924 2,411,600 437,278 490,079 (66,093) Gestora de Inteligência de Crédito S.A. (Nota 43-1) (3) 20.00% 20.00% 29,513 (4,642) 118,961 43,253 18,594 - - (23,210) Other (3) - - 7,129 2,361 - - - - - - Total investments in associates 7,210,958 1,543,987 93,183,908 25,094,434 88,773,103 10,712,492 17,241,126 5,665,582 Elo Participações S.A. (10) 50.01% 50.01% 978,195 162,070 420,804 1,776,837 96,763 3,967 18,708 324,075 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 68,231 12,393 339,236 119,406 324,764 - 161,107 24,786 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% - (39) 2,198 1,612 2 3,881 227 (78) Total investments in joint ventures 1,046,426 174,424 762,238 1,897,855 421,529 7,848 180,042 348,783 Total on December 31, 2017 8,257,384 1,718,411 93,946,146 26,992,289 89,194,631 10,720,340 17,421,168 6,014,365 Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. 30.06% 30.06% 4,108,743 1,204,520 13,699,378 10,654,621 15,004,712 - 392,167 4,007,233 IRB - Brasil Resseguros S.A. (3) (4) 20.51% 20.51% 662,460 132,668 8,484,793 5,828,133 10,238,221 844,876 3,185 646,823 Fleury S.A. (3) (6) 16.39% 16.39% 651,906 17,506 1,343,162 2,021,981 429,411 1,166,607 2,045,898 106,829 Aquarius Participações S.A. (7) 49.00% 49.00% 263,632 73,640 150,233 538,267 150,474 - - 150,286 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 127,922 1,596 8,187,596 493,325 8,041,309 - 4,243,442 7,980 Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 102,251 18,517 247,475 109,390 44,890 - 22,642 44,246 Tecnologia Bancária S.A. (3) 24.32% 24.32% 98,543 71,232 193,546 1,117,398 499,341 406,459 686,800 292,862 NCR Brasil Indústria de Equipamentos para Automação S.A. (3) 49.00% 49.00% 73,789 (7,024) 171,823 27,780 111,755 - 330,985 (14,335) Empresa Brasileira de Solda Elétrica S.A. (3) (9) - - - 3,168 - - - - - - Total investments in associates 6,089,246 1,515,823 32,478,006 20,790,895 34,520,113 2,417,942 7,725,119 5,241,924 Elo Participações S.A. 50.01% 50.01% 849,355 198,457 352,179 1,596,527 107,627 - 18,879 396,835 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 64,174 8,721 443,978 3,883 317,298 - 164,026 17,442 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% 3 (49) 3,538 - 3,532 - 256 (98) Leader S.A. Adm. de Cartões de Crédito (3) (8) - - - (23,227) - - - - - Total investments in joint ventures 913,532 183,902 799,695 1,600,410 428,457 - 183,161 414,179 Total on December 31, 2016 7,002,778 1,699,725 33,277,701 22,391,305 34,948,570 2,417,942 7,908,280 5,656,103 Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. 30.06% 30.06% 3,302,071 1,043,743 13,755,540 10,806,140 8,199,287 9,696,767 239,386 3,472,355 IRB - Brasil Resseguros S.A. (3) (4) 20.51% 20.51% 658,949 138,165 8,922 5,768 10,639 785 3,144 673,650 Fleury S.A. (6) 16.39% 16.39% 512,642 6,262 1,124,788 268,829 299,033 1,408,157 1,845 38,206 Fidelity Processadora S.A. (7) 49.00% 49.00% 254,785 68,312 450,267 402,702 332,997 - 19,546 139,412 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 130,248 (5,377) 7,227,947 563,950 7,140,656 - 13,834,551 (26,886) Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 83,735 17,660 203,030 93,487 35,986 1,590 13,247 42,197 NCR Brasil S.A. (3) 49.00% 49.00% 80,357 7,101 206,315 27,146 134,533 - 71,177 14,492 Empresa Brasileira de Solda Elétrica S.A. (3) 49.00% 49.00% 33,954 (5,769) 101,151 48,161 47,519 32,499 115,874 (11,774) Integritas Participações S.A. (3) (5) - - - 4,778 10,647 741,803 2,534 4,066 828 18,983 Total investments in associates 5,056,741 1,274,875 23,088,607 12,957,986 16,203,184 11,143,864 14,299,598 4,360,635 Elo Participações S.A. 50.01% 50.01% 686,951 243,073 223,332 1,438,988 144,169 15 14,669 486,049 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 65,030 10,400 439,594 4,301 312,036 - 158,124 20,800 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% 6,551 716 380,801 11,362 379,061 - 313,065 1,432 Leader S.A. Adm. de Cartões de Crédito (3) (8) 50.00% 50.00% 52 (1,013) 2,920 278 3,095 - 1,790 (2,026) Total investments in joint ventures 758,584 253,176 1,046,647 1,454,929 838,361 15 487,648 506,255 Total on December 31, 2015 5,815,325 1,528,051 24,135,254 14,412,915 17,041,545 11,143,879 14,787,246 4,866,890 (1) Revenues from financial intermediation or services; (2) Brazilian company, services provider related to credit and debit cards and other means of payment. In 2017, the Organization received R$ 582,483 thousand of dividends and interest on capital of this investment. In financial statements, Cielo S.A. presented R$ 8,814 thousand of other comprehensive income; (3) Companies for which the equity accounting adjustments are calculated using statements of financial position and statements of income with lag in relation to the reporting date of these consolidated financial statements; (4) Bradesco has a board member at IRB-Brasil with voting rights, which results in significant influence; (5) Partial spin-off in October, 2015; (6) Participation in Fleury S.A. (i) due to the partial spin-off of Integritas Participações S.A. and, (ii) recorded using equity method as Bradesco has significant influence due its paticipation on the Board of the Directors and other committes; (7) In January 2016, Aquarius Participações S.A. was endowed with the contribution of the investment of Fidelity Processadora e Serviços S.A.; (8) In April 2016, it was consolidated after acquisition of 50% of the company; (9) In 2017, impairment losses were recognized in associates and joint control companies, in the amount of R$ 31,868 thousand, on the investment in NCR Brasil S.A. (In 2016, R$ 37,122 on the investment in EBSE - Empresa Brasileira de Solda Elétrica S.A.); and (10) Brazilian company, holding company that consolidates joint business related to electronic means of payment. In 2017, the Organization received R$ 46,820 thousand of dividends from this investment. In its financial statements, Elo Participações S.A. presented R$ 8,109 thousand of other comprehensive income. In 2017, with the exception of Cielo S.A., IRB - Brasil Resseguros S.A. (IRB) and Fleury S.A, the other investments mentioned in the table above were not traded regularly on any stock exchange. The market value of investments totaled R$22,340,660 thousand (2016 - R$ 18,980,026 thousand). The Organization does not have any contingent liability for investments in Associates, in which it is responsible for, in part or in full. b. Changes in associates R$ thousand 2017 2016 Initial balances 7,002,778 5,815,325 Acquisitions (1) 524,155 376,434 Spin-off of associates (2) (170,006) - Transfer (3) 5,953 (166,294) Equity in net income of associates 1,718,411 1,699,725 Dividends/Interest on capital (802,662) (655,920) Impairment (4) (31,868) (37,122) Other 10,623 (29,370) At the end of the year 8,257,384 7,002,778 (1) In 2017, it includes the acquisition of interest in (i) Swiss Re Corporate Solutions Brasil; and in (ii) GIC - Gestora de Inteligência de Crédito (In 2016, there was capital increase in Cia. Leader S.A. Administradora de Cartões de Crédito); (2) Disposal partial sale of the IRB (Note 43-6); (3) In 2016, the investment of Cia. Leader S.A. Administradora de Cartões de Crédito began to be consolidated after acquisition of 50% of the company; and (4) In 2017, there were losses on impairment in affiliates and joint ventures, in the amount of R$ 31,868 thousand (R$ 37,122 thousand - 2016).

Property and equipment

Property and equipment	12 Months Ended
	Dec. 31, 2017
Property and equipment [Abstract]
Property and equipment	28. Property and equipment a) Composition of property and equipment by class R$ thousand Annual rate Cost Accumulated depreciation Net Buildings 4% 2,153,407 (483,266) 1,670,141 Land - 982,720 - 982,720 Installations, properties and equipment for use 10% 5,450,939 (2,667,455) 2,783,484 Security and communication systems 10% 349,228 (213,879) 135,349 Data processing systems 20% 3,950,625 (2,329,028) 1,621,597 Transportation systems 20% 86,705 (48,246) 38,459 Financial leasing of data processing systems 20% 3,431,868 (2,231,143) 1,200,725 Balance on December 31, 2017 16,405,492 (7,973,017) 8,432,475 Buildings 4% 2,153,351 (454,426) 1,698,925 Land - 1,027,535 - 1,027,535 Installations, properties and equipment for use 10% 5,187,160 (2,314,715) 2,872,445 Security and communication systems 10% 325,835 (192,974) 132,861 Data processing systems 20% 3,504,229 (2,067,981) 1,436,248 Transportation systems 20% 86,639 (40,034) 46,605 Financial leasing of data processing systems 20% 3,229,513 (2,047,016) 1,182,497 Balance on December 31, 2016 15,514,262 (7,117,146) 8,397,116 Depreciation charges in 2017 amounted to R$ 1,237,328 thousand (2016 - R$ 1,141,636 thousand). We enter into finance lease agreements as a lessee for data processing equipment, which are recorded as leased equipment in property and equipment. According to this accounting method, both the asset and the obligation are recognized in the consolidated financial statements and the depreciation of the asset is calculated based on the same depreciation policy as for similar assets. See Note 38 for disclosure of the obligation. b) Change in property and equipment by class R$ thousand Buildings Land Installations, properties and equipment for use Security and communications systems Data processing systems (1) Transportation systems Total Balance on December 31, 2016 1,698,925 1,027,535 2,872,445 132,861 2,618,745 46,605 8,397,116 Additions 117,888 41,777 754,606 31,134 947,314 4,926 1,897,645 Write-offs (53,151) (86,592) (323,217) (2,540) (86,469) (100) (552,069) Impairment (73,568) - (502) (1,836) (3,288) - (79,194) Depreciation (28,840) - (521,663) (24,270) (649,583) (12,972) (1,237,328) Transfer 8,887 - 1,815 - (4,397) - 6,305 Balance on December 31, 2017 1,670,141 982,720 2,783,484 135,349 2,822,322 38,459 8,432,475 Balance on December 31, 2015 582,602 448,020 2,788,330 59,086 1,556,160 70,237 5,504,435 Balance originating from an acquired institution (2) 752,619 586,971 320,949 77,196 60,065 - 1,797,800 Additions 81,809 897 974,089 22,721 1,696,318 3,487 2,779,321 Write-offs (30,341) (8,353) (402,316) (4,804) (62,386) (1,627) (509,827) Impairment - - - - (20,543) (12,434) (32,977) Depreciation (30,179) - (466,192) (21,338) (610,869) (13,058) (1,141,636) Transfer 342,415 - (342,415) - - - - Balance on December 31, 2016 1,698,925 1,027,535 2,872,445 132,861 2,618,745 46,605 8,397,116 (1) Includes financial lease of data processing systems; and (2) HSBC Brasil.

Intangible assets and goodwill

Intangible assets and goodwill	12 Months Ended
	Dec. 31, 2017
Intangible assets and goodwill [Abstract]
Intangible assets and goodwill	29. Intangible assets and goodwill a) Change in intangible assets and goodwill by class R$ thousand Goodwill Intangible Assets Acquisition of financial service rights (1) Software (1) Customer portfolio (1) Other (1) Total Balance on December 31, 2016 4,945,313 2,503,457 3,945,244 4,358,923 44,589 15,797,526 Additions/(reductions) - 2,549,335 1,203,313 - (8,944) 3,743,704 Impairment (3) - - (30,683) - - (30,683) Amortization - (1,000,894) (1,327,456) (1,000,234) (2,656) (3,331,240) Balance on December 31, 2017 4,945,313 4,051,898 3,790,418 3,358,689 32,989 16,179,307 Balance on December 31, 2015 723,526 2,260,033 3,639,825 709,463 76,788 7,409,635 Balance originating from an acquired institution (2) 4,221,787 264,349 288,826 3,993,743 4,840 8,773,545 Additions/(reductions) - 930,190 1,284,041 - 129,266 2,343,497 Impairment (3) - - (212,374) - - (212,374) Amortization - (951,115) (1,055,074) (344,283) (166,305) (2,516,777) Balance on December 31, 2016 4,945,313 2,503,457 3,945,244 4,358,923 44,589 15,797,526 (1) Rate of amortization: acquisition of banking rights - in accordance with contract agreement; software - 20%; Customer portfolio - up to 20%; and others - 20%; (2) HSBC Brasil; and (3) Impairment losses were recognized in the consolidated statement of income, within “Other operating income/(expenses)”. b) Composition of goodwill by segment R$ thousand On December 31 2017 2016 Banking 4,651,347 4,651,347 Insurance, pension and capitalization bonds 293,966 293,966 Total 4,945,313 4,945,313 The Cash Generation Units allocated to the banking segment and the insurance, pension and capitalization bonds segment are tested annually for impairment of goodwill. We did not incur any goodwill impairment losses in 2017,2016 and 2015. The recoverable amount from the Banking Segment has been determined based on a value-in-use calculation. The calculation uses cash-flow predictions based on financial budgets approved by management, with a terminal growth rate of 7.1% p.a. (7.6% p.a. in 2016). The forecast cash flows have been discounted at a rate of 13.6% p.a. (12.9% p.a. in 2016). The key assumptions described above may change as economic and market conditions change. The Organization estimates that reasonably possible changes in these assumptions within the current economic environment are not expected to cause the recoverable amount of either unit to decline below the carrying amount.

Other assets

Other assets	12 Months Ended
	Dec. 31, 2017
Other assets [Abstract]
Other assets	30. Other assets R$ thousand On December 31 2017 2016 Foreign exchange transactions (1)(4) 17,279,327 17,455,821 Debtors for guarantee deposits (2)(4) 17,840,698 16,372,044 Negotiation and intermediation of securities (4) 1,741,524 1,954,484 Trade and credit receivables (4) 3,016,225 1,813,144 Deferred acquisition cost (insurance) - Note 35f 1,070,108 1,750,244 Other debtors 3,736,743 2,781,206 Prepaid expenses 1,244,602 1,324,362 Income receivable (4) 1,841,709 1,575,698 Interbank and interdepartmental accounts 1,480,291 949,730 Other (3) 1,602,760 1,193,637 Total 50,853,987 47,170,370 (1) Mainly refers to purchases in foreign currency made by the institution on behalf of customers and rights in the institution's domestic currency, resulting from exchange sale operations; (2) Refers to deposits resulting from legal or contractual requirements, including guarantees provided in cash, such as those made for the filing of appeals in departments or courts and those made to guarantee services of any nature; (3) Includes basically trade and credit receivables, material supplies, other advances and payments to be reimbursed; and (4) Financial assets are recorded at amortized cost.

Deposits from banks

Deposits from banks	12 Months Ended
	Dec. 31, 2017
Deposits from banks [Abstract]
Deposits from banks	31. Deposits from banks Financial liabilities called “Deposits from banks” are initially measured at fair value and, subsequently, at amortized cost, using the effective interest rate method. Composition by nature R$ thousand On December 31 2017 2016 Demand deposits 1,030,292 898,877 Interbank deposits 2,168,625 588,872 Securities sold under agreements to repurchase 233,467,544 241,978,931 Borrowings 18,521,713 22,165,415 Onlending 30,769,294 36,030,587 Total 285,957,468 301,662,682

Deposits from customers

Deposits from customers	12 Months Ended
	Dec. 31, 2017
Deposits from customers (Tables) [Abstract]
Deposits from customers	32. Deposits from customers Financial liabilities called “Deposits from customers” are initially measured at fair value and subsequently at amortized cost, using the effective interest rate method. Composition by nature R$ thousand On December 31 2017 2016 Demand deposits 33,058,324 32,521,234 Savings deposits 103,332,697 97,088,828 Time deposits 125,617,424 103,137,867 Total 262,008,445 232,747,929

Funds from securities issued

Funds from securities issued	12 Months Ended
	Dec. 31, 2017
Funds from securities issued [Abstract]
Funds from securities issued	33. Funds from securities issued a) Composition by type of security issued and location R$ thousand On December 31 2017 2016 Instruments Issued - Brazil: Real estate credit notes 27,020,911 26,955,574 Agribusiness notes 10,973,682 9,116,292 Financial bills 93,570,141 108,512,908 Subtotal 131,564,734 144,584,774 Securities - Overseas: Euronotes (1) 634,549 2,785,654 Securities issued through securitization - (item (b)) 2,606,322 3,286,342 Subtotal 3,240,871 6,071,996 Structured Operations Certificates 368,485 445,168 Total 135,174,090 151,101,938 (1) Issuance of securities in the foreign market to fund customers' foreign exchange operations, export pre-financing, import financing and working capital financing, substantially in the medium and long terms. b) Securities issued through securitization Since 2003, the Organization uses certain arrangements to optimize its activities of funding and liquidity management by means of an Specific Purpose Entity (SPE). This SPE, which is called International Diversified Payment Rights Company, is financed with long-term bonds which are settled with the future cash flow of the corresponding assets, basically comprising current and future flow of payment orders sent by individuals and legal entities abroad to beneficiaries in Brazil for whom Bradesco acts as payor. The long-term instruments issued by the SPE and sold to investors will be settled with funds from the payment orders flows. The Organization is required to redeem the instruments in specific cases of default or upon closing of the operations of the SPE. The funds deriving from the sale of current and future payment orders flows, received by the SPE, must be maintained in a specific bank account until they reach a given minimum level. We show below the amounts of the securities issued by the SPE, which appear in the “Funding from issuance of securities” line item: R$ thousand Date of Issue Nominal amount Maturity On December 31 2017 2016 Securitization of the future flow of payment orders received from abroad 06,3,2008 836,000 22,5,2017 - 87,183 19,12,2008 1,168,500 20,2,2019 348,524 698,551 17,12,2009 89,115 20,2,2020 49,594 74,487 20,8,2010 307,948 21,8,2017 - 60,938 29,9,2010 170,530 21,8,2017 - 34,810 16,11,2011 88,860 20,11,2018 26,068 60,989 16,11,2011 133,290 22,11,2021 139,678 177,095 23,12,2015 390,480 21,11,2022 330,311 348,110 23,12,2015 390,480 20,11,2020 318,934 348,662 02,2,2016 889,725 22,2,2021 871,260 872,710 30,3,2016 533,835 22,2,2021 521,953 522,807 Total 4,998,763 2,606,322 3,286,342 (1) Prepaid.

Subordinated debt

Subordinated debt	12 Months Ended
	Dec. 31, 2017
Subordinated debt [Abstract]
Subordinated debt	34. Subordinated debt a) Composition of subordinated debt On December 31 - R$ thousand Original term in years Nominal amount 2017 2016 In Brazil: Subordinated CDB: 2019 10 20,000 62,303 56,200 Financial bills: 2017 (1) 6 8,630,999 - 11,075,463 2018 6 8,262,799 10,130,108 9,875,551 2019 6 21,858 36,139 33,402 2017 (1) 7 40,100 - 95,872 2018 7 141,050 316,757 293,357 2019 7 3,172,835 3,436,734 3,423,463 2020 7 1,700 2,801 2,612 2022 7 4,305,011 5,597,559 5,050,633 2023 7 1,359,452 1,699,872 1,522,243 2024 (2) 7 67,450 73,861 - 2018 8 50,000 119,417 112,038 2019 8 12,735 28,184 25,212 2020 8 28,556 54,383 49,498 2021 8 1,236 2,027 1,896 2023 8 1,706,846 2,265,488 2,015,625 2024 8 136,695 159,205 143,415 2025 (2) 8 6,193,653 6,624,611 - 2021 9 7,000 13,125 11,813 2024 9 4,924 6,611 5,806 2025 9 400,944 457,679 417,641 2021 10 19,200 40,429 37,191 2022 10 54,143 99,338 91,314 2023 10 688,064 1,070,085 1,011,423 2025 10 284,137 392,376 342,886 2026 10 361,196 438,776 392,886 2027 (2) 10 258,743 273,498 - 2026 11 3,400 4,271 4,001 2027 11 47,046 53,996 48,566 2028 (2) 11 74,764 77,079 - Perpetual - 5,000,000 5,004,967 5,015,870 Subtotal in Brazil 38,541,679 41,155,877 Overseas: 2019 10 1,333,575 2,520,963 2,482,631 2022 10 1,886,720 3,697,115 5,333,373 2021 11 2,766,650 5,419,644 3,639,183 Subtotal overseas 11,637,722 11,455,187 Total (3) 50,179,401 52,611,064 (1) Subordinated debt transactions that matured in 2017; and (2) New issuances of financial bills in 2017, referring to subordinated debt. b) Net movement of subordinated debt R$ thousand 2017 2016 Initial balances 52,611,064 50,282,936 Balance originating from an acquired institution - 1,401,348 Issuances 6,594,610 3,787,207 Interest 5,100,017 6,298,555 Payments and other (14,126,290) (9,158,982) At the end of the year 50,179,401 52,611,064

Insurance technical provisions

Insurance technical provisions and pension plans	12 Months Ended
	Dec. 31, 2017
Insurance technical provisions and pension plans [Abstract]
Insurance technical provisions and pension plans	35. Insurance technical provisions and pension plans a) Technical provisions by account R$ thousand Insurance (1) Life and Pension (2)(3) Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Current and long-term liabilities Mathematical reserve for unvested benefits 1,051,507 912,764 207,818,859 184,594,055 208,870,366 185,506,819 Mathematical reserve for vested benefits 265,727 210,855 9,367,712 8,989,482 9,633,439 9,200,337 Reserve for claims incurred but not reported (IBNR) 3,159,967 2,770,507 1,030,107 1,264,115 4,190,074 4,034,622 Unearned premium reserve 4,068,716 4,265,155 567,369 574,544 4,636,085 4,839,699 Reserve for unsettled claims 4,291,432 4,645,468 1,588,489 1,682,147 5,879,921 6,327,615 Reserve for financial surplus - - 514,199 554,505 514,199 554,505 Other technical provisions 1,996,206 2,048,355 3,369,300 3,328,048 5,365,506 5,376,403 Total reserves 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (1) “Other technical provisions” - Insurance basically refers to the technical provisions of the “personal health” portfolio; (2) Includes personal insurance and pension plans; and (3) “Other technical provisions” - Life and Pension Plan mainly includes the “Reserve for redemption and other amounts to be settled”, “Reserve for related expenses”. b) Technical provisions by product R$ thousand Insurance Life and Pension (1) Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Health 9,754,024 8,559,137 - - 9,754,024 8,559,137 Auto / Liability Insurance 3,156,847 3,126,232 - - 3,156,847 3,126,232 DPVAT (Personal Injury Caused by Automotive Vehicles) 506,161 471,288 3,100 2,944 509,261 474,232 Life - - 10,018,884 9,336,759 10,018,884 9,336,759 RE (Elementary branch) 1,416,523 2,696,447 - - 1,416,523 2,696,447 Free Benefits Generating Plan - PGBL - - 35,087,618 32,605,459 35,087,618 32,605,459 Free Benefits Generating Life - VGBL - - 158,746,205 138,670,739 158,746,205 138,670,739 Tradicional plans - - 20,400,228 20,370,995 20,400,228 20,370,995 Total technical provisions 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (1) Includes personal and pension insurance operations. c) Technical provisions by aggregated products R$ thousand On December 31 2017 2016 Insurance - Vehicle, Elementary Lines, Life and Health 24,855,539 24,192,807 Insurance - Life with Survival Coverage (VGBL) 158,746,205 138,670,739 Pensions - PGBL and Traditional Plans 47,623,322 45,557,528 Pensions - Risk Traditional Plans 7,864,524 7,418,926 Total 239,089,590 215,840,000 d) Changes in the insurance and pension technical provisions (i) Insurance - Vehicle, General, Life, Health and Pension (Risk on Traditional Plans) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 31,611,733 27,844,231 (-) DPVAT insurance (473,579) (333,699) Subtotal at beginning of the year 31,138,154 27,510,532 Additions, net of reversals 28,542,623 28,700,765 Payment of claims, benefits and redemptions (27,156,197) (26,449,844) Adjustment for inflation and interest 648,898 1,376,701 Partial spin-off of large risk portfolio (961,513) - Subtotal at end of the period 32,211,965 31,138,154 (+) DPVAT insurance 508,098 473,579 At the end of the year 32,720,063 31,611,733 (ii) Insurance - Life with Survival Coverage (VGBL) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 138,670,739 106,248,597 Receipt of premiums net of fees 28,577,437 35,824,651 Payment of benefits (28,758) (47,379) Payment of redemptions (18,985,242) (16,674,828) Adjustment for inflation and interest 13,468,401 14,660,738 Others (2,956,372) (1,341,040) At the end of the year 158,746,205 138,670,739 (iii) Pensions - PGBL and Traditional Plans R$ thousand Years ended December 31 2017 2016 At the beginning of the year 45,557,528 36,848,112 Receipt of premiums net of fees 3,446,148 7,412,759 Payment of benefits (759,949) (696,056) Payment of redemptions (2,962,505) (2,438,351) Adjustment for inflation and interest 3,656,452 4,808,394 Others (1,314,352) (377,330) At the end of the year 47,623,322 45,557,528 e) Guarantees for the technical provisions R$ thousand Insurance Life and pension plans Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Total technical provisions 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (-) Deferred acquisition cost PPNG reducers (138,780) (237,104) - - (138,780) (237,104) (-) Portion corresponding to contracted reinsurance (153,137) (947,159) (14,123) (41,191) (167,260) (988,350) (-) Deposits retained at IRB and court deposits - (16) - - - (16) (-) Receivables (925,999) (1,068,329) - - (925,999) (1,068,329) (-) Unearned premium reserve - Health and dental insurance (1) (1,268,243) (1,182,152) - - (1,268,243) (1,182,152) (-) Reserves from DPVAT agreements (502,491) (465,568) - - (502,491) (465,568) To be insured 11,844,905 10,952,776 224,241,912 200,945,705 236,086,817 211,898,481 Investment fund quotas (VGBL and PGBL) (2) - - 190,639,798 168,337,785 190,639,798 168,337,785 Investment fund quotas (excluding VGBL and PGBL) 5,076,006 7,164,637 21,639,087 23,273,027 26,715,093 30,437,664 Government securities 9,011,657 5,882,012 18,608,194 14,187,009 27,619,851 20,069,021 Private securities 18,203 93,287 164,338 169,440 182,541 262,727 Shares 3,227 2,325 1,716,401 1,728,856 1,719,628 1,731,181 Total technical provision guarantees 14,109,093 13,142,261 232,767,818 207,696,117 246,876,911 220,838,378 (1) Deduction provided for in article 4 of Normative Resolution ANS no. 392/15; and (2) The investment funds "VGBL" and "PGBL" were consolidated in the financial statements. f) Changes in deferred acquisition cost (insurance assets) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 1,750,244 1,945,238 Additions 1,586,888 1,940,226 Reversals (2,250,844) (2,135,220) Partial spin-off of large risk portfolio (16,180) - At the end of the year 1,070,108 1,750,244 g) Changes in reinsurance assets R$ thousand Years ended December 31 2017 2016 At the beginning of the year 1,186,194 1,144,506 Additions 186,867 667,908 Reversals (139,641) (485,724) Recovered insurance losses (259,433) (173,908) Adjustment for inflation and interest (411) 43,790 Other (1) (754,362) (10,378) At the end of the year 219,214 1,186,194 (1) Includes the transfer of part of the operation of the large risk portfolio (Note 43). h) Claim information The purpose of the table below is to show the inherent insurance risk, comparing the insurance claims paid with their provisions. Starting from the year in which the claim was reported, the upper part of the table shows the changes in the provision over the years. The provision varies as more precise information concerning the frequency and severity of the claims is obtained. The lower part of the table shows the reconciliation of the amounts with the amounts presented in the financial statements. Insurance, Vehicle/RCF and Elementary Lines - Claims, gross reinsurance (1) R$ thousand Year claims were notified Up to 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for the claims: · In the year after notification 4,482,979 1,152,371 2,058,559 2,414,674 2,647,298 3,134,409 3,020,829 3,708,479 4,160,984 3,821,255 3,481,275 - · One year after notification 4,679,108 1,108,270 2,037,365 2,394,609 2,626,356 3,035,716 2,848,361 3,456,642 4,028,967 3,640,897 - - · Two years after notification 4,711,861 1,088,069 2,018,329 2,387,075 2,604,738 3,021,698 2,809,942 3,464,389 3,989,904 - - - · Three years after notification 4,783,290 1,094,795 2,015,921 2,403,020 2,604,061 3,041,626 2,839,210 3,436,234 - - - - · Four years after notification 4,845,834 1,102,364 2,046,000 2,418,649 2,600,194 3,071,989 2,813,496 - - - - - · Five years after notification 4,902,275 1,102,595 2,044,644 2,428,252 2,625,442 2,888,296 - - - - - - · Six years after notification 4,956,618 1,127,609 2,056,612 2,431,363 2,621,044 - - - - - - - · Seven years after notification 4,982,993 1,140,708 2,072,169 2,419,614 - - - - - - - - · Eight years after notification 5,028,742 1,158,436 2,057,911 - - - - - - - - - · Nine years after notification 5,074,360 1,149,106 - - - - - - - - - - · Ten years after notification 5,086,824 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 5,086,824 1,149,106 2,057,911 2,419,614 2,621,044 2,888,296 2,813,496 3,436,234 3,989,904 3,640,897 3,481,275 33,584,601 Payments of claims (5,064,293) (1,022,199) (2,042,673) (2,390,739) (2,586,371) (2,835,738) (2,753,035) (3,355,681) (3,879,707) (3,491,476) (2,766,457) (32,188,369) Outstanding Claims 22,531 126,907 15,238 28,875 34,673 52,558 60,461 80,553 110,197 149,421 714,818 1,396,232 Insurance, Vehicle/RCF and Elementary Lines - Claims, net reinsurance (1) R$ thousand Year claims were notified Up to 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for net claims for reinsurance: · In the year after notification 4,049,408 859,651 1,791,249 2,260,194 2,440,426 2,804,706 2,815,311 3,523,133 3,805,260 3,661,006 3,443,486 - · One year after notification 4,107,420 846,124 1,773,092 2,235,404 2,417,095 2,695,513 2,648,135 3,306,665 3,695,713 3,541,988 - - · Two years after notification 4,157,532 835,214 1,766,152 2,232,926 2,401,407 2,696,091 2,622,005 3,317,745 3,671,224 - - - · Three years after notification 4,225,589 844,636 1,769,942 2,251,003 2,418,057 2,705,326 2,658,925 3,323,339 - - - - · Four years after notification 4,285,309 850,115 1,791,739 2,268,293 2,425,973 2,729,230 2,659,375 - - - - - · Five years after notification 4,338,449 857,121 1,797,090 2,281,206 2,452,938 2,746,804 - - - - - - · Six years after notification 4,390,840 868,958 1,810,770 2,291,650 2,459,251 - - - - - - - · Seven years after notification 4,426,256 873,978 1,822,466 2,292,651 - - - - - - - - · Eight years after notification 4,466,917 884,796 1,824,085 - - - - - - - - - · Nine years after notification 4,510,383 890,132 - - - - - - - - - - · Ten years after notification 4,527,764 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 4,527,764 890,132 1,824,085 2,292,651 2,459,251 2,746,804 2,659,375 3,323,339 3,671,224 3,541,988 3,443,486 31,380,099 Payments of claims (4,505,614) (880,207) (1,809,102) (2,265,943) (2,424,679) (2,694,553) (2,599,885) (3,243,342) (3,563,269) (3,393,389) (2,736,036) (30,116,019) Liquid outstanding claims for reinsurance 22,150 9,925 14,983 26,708 34,572 52,251 59,490 79,997 107,955 148,599 707,450 1,264,080 Life - Insurance claims, gross reinsurance (1) R$ thousand Year claims were notified Up 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for net claims for reinsurance: · In the year after notification 1,987,288 987,998 1,062,753 1,185,750 1,403,227 1,448,969 1,509,781 1,536,697 1,653,008 1,741,563 1,771,294 - · One year after notification 2,004,988 1,000,730 1,082,779 1,183,274 1,386,518 1,431,243 1,491,911 1,568,941 1,648,842 1,755,802 - - · Two years after notification 2,038,732 1,020,530 1,105,401 1,195,472 1,393,915 1,447,741 1,525,941 1,570,227 1,644,051 - - - · Three years after notification 2,075,972 1,018,008 1,100,970 1,185,871 1,406,376 1,450,511 1,514,898 1,495,266 - - - - · Four years after notification 2,079,897 1,017,316 1,109,079 1,198,856 1,406,472 1,454,750 1,516,747 - - - - - · Five years after notification 2,081,301 1,015,902 1,119,669 1,198,607 1,416,009 1,459,181 - - - - - - · Six years after notification 2,086,778 1,017,807 1,118,181 1,197,508 1,417,352 - - - - - - - · Seven years after notification 2,068,574 1,021,908 1,112,583 1,189,843 - - - - - - - - · Eight years after notification 2,076,228 1,024,349 1,115,707 - - - - - - - - - · Nine years after notification 2,094,047 1,020,756 - - - - - - - - - - · Ten years after notification 2,140,849 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 2,140,849 1,020,756 1,115,707 1,189,843 1,417,352 1,459,181 1,516,747 1,495,266 1,644,051 1,755,802 1,771,294 16,526,848 Payments of claims (2,074,102) (1,003,673) (1,098,409) (1,151,732) (1,361,271) (1,398,760) (1,428,669) (1,307,155) (1,337,199) (1,499,651) (1,280,837) (14,941,458) Liquid outstanding claims for reinsurance 66,747 17,083 17,298 38,111 56,081 60,421 88,078 188,111 306,852 256,151 490,457 1,585,390 (1) The claims table does not include the products Health and Dental insurance - R$ 2,906,361 thousand, DPVAT insurance - R$ 86,592 thousand, Retrocession - R$ 21,722 thousand and salvage and reimbursement estimates - R$ (163,923) thousand.

Supplemental pension plans

Supplemental pension plans	12 Months Ended
	Dec. 31, 2017
Supplemental pension plans (Tables) [Abstract]
Supplemental pension plans	36. Supplemental pension plans Bradesco and its subsidiaries sponsor a private defined contribution pension for employees and directors, that allows financial resources to be accumulated by participants throughout their careers by means of employee and employer contributions and invested in an Exclusive Investment Fund (FIE). The Plan is managed by Bradesco Vida e Previdência S.A. and BRAM - Bradesco Asset Management S.A. DTVM is responsible for the financial management of the FIEs funds. The Supplementary Pension Plan counts on contributions from employees and directors of Bradesco and its subsidiaries equivalent to at least 4% of their salary and, from the company, 5% of the salary, plus the percentage allocated to covers of risk benefits (invalidity and death). Actuarial obligations of the defined contribution plan are fully covered by the plan assets of the corresponding FIE. In addition to the plan, in 2001, participants who chose to migrate from the defined benefit plan are guaranteed a proportional deferred benefit, corresponding to their accumulated rights in that plan. For the active participants, retirees and pensioners of the defined benefit plan, now closed to new members, in run-off, the present value of the actuarial obligations of the plan is completely covered by collateral assets. Banco Alvorada S.A. (successor from the spin-off of Banco Baneb S.A.) maintains defined contribution and defined benefit retirement plans, to the former employees of Baneb, through Fundação Baneb de Seguridade Social - Bases. Bradesco sponsors both defined benefit and defined contribution retirement plans, through Caixa de Assistência e Aposentadoria dos Funcionários do Banco do Estado do Maranhão (Capof), to employees originating from Banco BEM S.A. Bradesco sponsors a defined benefit plan through Caixa de Previdência Privada Bec - Cabec, for former employees of Banco do Estado do Ceará S.A. With the acquisition of HSBC Bank Brasil S.A. (current Kirton Bank S.A. - Banco Múltiplo), the open pension plan, which was offered to employees of that institution, in the modality of defined contribution, has been discontinued. From October 2016, the employees transferred can adhere to the Supplementary Pension Plan offered to the employees of Bradesco. Kirton Bank S.A. - Banco Múltiplo, Kirton Capitalização S.A., Kirton Corretora de Seguros S.A., Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A. and Kirton Seguros S.A. sponsor a defined benefit plan called APABA to employees originating from Banco Bamerindus do Brasil S.A., and Kirton Administração de Serviços para Fundos de Pensão Ltda. sponsors to its employees the Kirton Prev Benefits Plan ( Plano de Benefícios Kirton Prev) ), both managed by MultiBRA - Pension Fund. Banco Losango S.A., Kirton Bank S.A. - Banco Múltiplo and Credival - Participações, Administração e Assessoria Ltda. sponsor three pension plans for its employees, which are Losango I Benefits Plan - Basic Part (modality of defined contribution), Losango I - Supplementary Part and PREVMAIS Losango Plan (modality variable contribution), all managed by MultiBRA - Settlor - Multiple Fund. Bradesco took on the obligations of Kirton Bank S.A. - Banco Múltiplo with regard to Life Insurance, Health Insurance Plans, and Retirement Compensation for employees coming from Banco Bamerindus do Brasil S.A. Bradesco, in its overseas facilities, provides for its employees and administrators a pension plan, according to the norms established by the local authorities, that allows to accumulate financial resources throughout the professional career of the participant. Expenses related to contributions made in the year ending December 31, 2017, totaled R$ 988,905 thousand (2016 - R$ 584,438 thousand). In addition to this benefit, Bradesco and its subsidiaries offer other benefits to their employees and administrators, including health insurance, dental care, life and personal accident insurance, and professional training. These expenses, including the aforementioned contributions, totaled the amount of R$ 5,594,368 thousand in the year ending December 31, 2017 (2016 - R$ 3,826,715 thousand). R$ thousand Years ended December 31 2017 2016 (i) Projected benefit obligations: At the beginning of the year 2,141,393 1,162,005 Balance from an acquired institution - 761,119 Cost of current service 186 (1,077) Interest cost 227,980 181,595 Participant's contribution 1,197 2,831 Actuarial gain/(loss) 144,624 182,762 Benefit paid (192,042) (147,842) At the end of the year 2,323,338 2,141,393 (ii) Plan assets comprise: At the beginning of the year 2,127,872 1,047,782 Balance from an acquired institution - 883,858 Expected earnings 423,546 307,728 Contributions received: Employer 14,957 33,515 Employees 1,197 2,831 Benefit paid (192,043) (147,842) At the end of the year 2,375,529 2,127,872 (iii) Financial position: Plans in deficit (149,571) (130,293) Plans in surplus 201,762 116,772 Net balance 52,191 (13,521) The net cost/(benefit) of the pension plans recognized in the consolidated statement of income includes the following components: R$ thousand Years ended December 31 2017 2016 2015 Projected benefit obligations: Cost of service 186 (1,077) (579) Cost of interest on actuarial obligations 227,980 181,595 133,385 Expected earnings from the assets of the plan (227,360) (174,937) (120,960) Net cost/(benefit) of the pension plans 806 5,581 11,846 The accumulated obligations of the pension plans are included in “Other Liabilities”, in our consolidated statement of financial position. Benefit obligations and net periodic benefit cost for the years 2017 and 2016 for our subsidiaries, were determined using the following assumptions: On December 31 2017 2016 Discount rate (1) 8.5% - 10% p.a. 11.1% p.a. Expected long-term rate of return on the assets 8.5% - 10% p.a. 11.1% p.a. Increase in salary levels 4.3% p.a. 4.8% p.a. (1) In 2017, considering an inflation rate of 4.3% p.a. and a real discount rate of 4.0% - 5.5% p.a. (2016 - 4.8% and 6.0% p.a., respectively). The long-term rate of return on plan assets is based on the following: · Medium- to long-term expectations of the asset managers; and · Public and private securities, with short to long-term maturities which represent a significant portion of the investment portfolios of our subsidiaries, the return on which is higher than inflation plus interest. The assets of pension plans are invested in compliance with the applicable legislation (government securities and private securities, listed company shares and real estate properties) and the weighted-average allocation of the pension plan's assets by category is as follows: Assets of the Alvorada Plan Assets of the Bradesco Plan Assets of the Kirton Plan Assets of the Losango Plan On December 31 On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 2017 2016 Asset categories Equities - - 4.7% 3.9% - - 17.3% 18.8% Fixed income 92.7% 93.1% 90.6% 91.3% 100.0% 100.0% 82.7% 81.2% Real estate 5.7% 5.3% 2.6% 2.7% - - - - Other 1.6% 1.6% 2.1% 2.1% - - - - Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Below is the sensitivity analysis of the benefit plan obligations, showing the impact on the actuarial exposure (8.5 - 10.0% p.a.) assuming a 1 b.p. change in the discount rate: Discount rate Sensitivity Analysis Effect on actuarial liabilities Effect on the present value of the obligations 9.5% - 11.0% p.a. Increase of 1 p.p. reduction (256,532) 7.5% - 9.0% p.a. Decrease of 1 b.p. increase 303,154

Provisions, contingent liabilit

Provisions, contingent liabilities and contingent assets	12 Months Ended
	Dec. 31, 2017
Provisions, contingent liabilities and contingent assets [Abstract]
Provisions, contingent liabilities and contingent assets	37. Provisions, contingent liabilities and contingent assets a) Contingent assets Contingent assets are not recognized in the financial statements. However, there are ongoing proceedings where the chance of success is considered probable, but of immaterial values, such as: a) Social Integration Program (PIS), Bradesco has made a claim to offset PIS against Gross Operating Income, paid under Decree-Laws n o 2,445/88 and n o 2,449/88, regarding the payment that exceeded the amount due under Supplementary Law n o 07/70 (PIS Repique); and b) other taxes, the legality and/or constitutionality of which is being challenged, where the decision may lead to reimbursement of amounts paid. b) Contingent liabilities and tax and social security obligations The Organization is a party to a number of labor, civil and tax lawsuits, arising from the normal course of business. Management recorded provisions based on their opinion and that of their legal counsel, the nature of the lawsuit, similarity to previous lawsuits, complexity and the courts standing, where the loss is deemed probable. Management considers that the provision is sufficient to cover losses generated by the respective lawsuits. Liability related to litigation is held until the conclusion to the lawsuit, represented by judicial decisions, with no further appeals or due to the statute of limitation. I - Labor claims These are claims brought by former employees and outsourced employees seeking indemnifications, most significantly for unpaid “overtime”, pursuant to Article 224 of the Consolidation of Labor Laws (CLT). In proceedings in which a judicial deposit is used to guarantee the execution of the judgment, the labor provision is made considering the estimated loss of these deposits. For proceedings with similar characteristics and for which there has been no official court decision, the provision is recorded based on the average calculated value of payments made for labor complaints settled in the past 12 months and for proceedings originating from acquired banks, with unique characteristics, the calculation and assessment of the required balance is conducted periodically, Overtime is monitored by using electronic time cards and paid regularly during the employment contract and, accordingly, the claims filed by former employees do not represent significant amounts. II - Civil proceedings These are claims for pain and suffering and property damages, mainly relating to protests, returned checks, the inclusion of information about debtors in the credit restriction registry and the replacement of inflation adjustments excluded as a result of government economic plans. These lawsuits are individually controlled using a computer-based system and provisioned whenever the loss is deemed as probable, considering the opinion of Management and their legal counsel, the nature of the lawsuits, similarity with previous lawsuits, complexity and positioning of the courts. Most of these lawsuits are brought to the Special Civil Court (JEC), in which the claims are limited to 40 times the minimum wage and do not have a significant impact on the Organization's financial position. There are a significant number of legal claims pleading alleged differences in adjustment for inflation on savings account balances due to the implementation of economic plans that were part of the federal government's economic policy to reduce inflation in the ‘80s and ‘90s. Although Bradesco complied with the law and regulation in force at the time, these lawsuits have been recorded in provisions, taking into consideration the claims where the Bradesco is the defendant and the perspective of loss, which is considered after the analysis of each demand, based on the current decision of the Superior Court of Justice (STJ). In December 2017, with the mediation of the Attorney's General Office (AGU), the entities representing the bank and the savings accounts, entered into an agreement related to litigation of economic plans, with the purpose of closing these claims, in which conditions and schedule were established for savings accounts holders may to accede the agreement. This agreement was approved by the Federal Supreme Court (STF) on March 1, 2018, pending final decision of the approval decision. As this is a voluntary agreement, Bradesco is unable to predict how many savings account holders will choose to accept the settlement offer. Note that, regarding disputes relating to economic plans, the Federal Supreme Court (STF) suspended the prosecution of all lawsuits on cognizance stage, until the Court issues a final decision on the right under litigation. c) Tax and social security obligations The Organization is disputing the legality and constitutionality of certain taxes and contributions in court, for which provisions have been recorded in full, although there is good chance of a favorable outcome, based on the opinion of Management and their legal counsel. The processing of these legal obligations and the provisions for cases for which the risk of loss is deemed as probable is regularly monitored in the legal court. During or after the conclusion of each case, a favorable outcome may arise for the Organization, resulting in the reversal of the related provisions. The main cases are: - PIS and COFINS - R$ 2,489,247 thousand (R$ 2,320,261 thousand in 2016): a request for authorization to calculate and pay PIS and COFINS based on effective billing, as set forth in Article 2 of Supplementary Law n o 70/91, removing from the calculation base the unconstitutional inclusion of other revenues other than those billed; - IRPJ/CSLL on losses of credits - R$ 1,614,663 thousand (R$ 1,913,208 thousand in 2016): we are requesting to deduct from income tax and social contributions payable (IRPJ and CSLL, respectively) amounts of actual and definite loan losses related to unconditional discounts granted during collections, regardless of compliance with the terms and conditions provided for in Articles 9 to 14 of Law n o 9,430/96 that only apply to temporary losses; - Pension Contributions - R$ 1,466,469 thousand (R$ 1,385,456 thousand in 2016): official notifications related to the pension contributions on financial contributions in private pension plans, considered by the authorities to be compensatory sums subject to the incidence of pension contributions and to an isolated fine for not withholding IRRF on the financial contributions; - INSS Autonomous Brokers - R$ 643,655 thousand (R$ 901,171 thousand in 2016): The Bradesco Organization is questioning the charging of social security contribution on remunerations paid to third-party service providers, established by Supplementary Law No. 84/96 and subsequent regulations/amendments, at 20.0% with an additional 2.5%, on the grounds that services are not provided to insurance companies but to policyholders, thus being outside the scope of such a contribution as provided for in item I, Article 22 of Law n o 8,212/91, as new wording in Law n o 9,876/99; - INSS - Contribution to SAT - R$ 401,018 thousand (R$ 374,620 thousand in 2016): thousand: in an ordinary lawsuit filed by the Brazilian Federation of Banks - Febraban, since April 2007, on behalf of its members, is questioning the classification of banks at the highest level of risk, with respect to Work Accident Risk - RAT, which eventually raised the rate of the respective contribution from 1% to 3%, in accordance with Decree n o 6,042/07; and In general, the provisions relating to lawsuits are classified as non-current, due to the unpredictability of the duration of the proceedings in the Brazilian justice system. For this reason, the estimate has not been disclosed with relation to the specific year in which these lawsuits will be closed. In 2017, the Organization adhered to the Special Tax Regularization Program (PERT), established by Provisional Measure (MP) No. 783/17, which provides for the settlement by means of payment and installment payment of its tax and social security obligations with the Brazilian Federal Revenue Service and the National Treasury Attorney-General's Office (PGFN) of debts due up to April 30, 2017, resulting in a negative net effect of R$241,141 thousand in the Consolidated statement of income. On October 24, 2017, the MP No. 783/17 was converted into Law No. 1396/17 and was amended; however, no relevant impacts on the Organization. In addition to this, Bradesco also adhered to the Incentivized Installment Payment Program (PPI-SP), Law No. 16,680/17 in order to promote the settlement of debts regarding such law as to taxable events occurred up to December 31,2016, resulting in the net negative effect of R$61,814 thousand. d) Changes in other provision R$ thousand Labor Civil Tax and Social Security (1) (2) Balance on December 31, 2016 5,101,732 5,003,440 8,187,237 Indexation charges 637,263 484,447 500,719 Additions, net of reversals 1,002,559 830,642 (984,342) Payments (1,186,758) (971,966) (114,246) Balance on December 31, 2017 5,554,796 5,346,563 7,589,368 Balance on December 31, 2015 3,048,442 4,202,950 8,112,925 Indexation charges 454,045 409,236 705,036 Additions, net of reversals 876,816 1,310,333 (1,236,705) Balance originating from an acquired institution (3) 1,684,370 544,997 703,967 Payments (961,941) (1,464,076) (97,986) Balance on December 31, 2016 5,101,732 5,003,440 8,187,237 (1) Mainly include legal liabilities; (2) In 2017, there were reversals of provisions related to: (i) the PIS process, related to the remuneration of amounts unduly paid, in the amount of R$ 268,729 thousand; (ii) IRPJ / CSLL on credit losses, in the amount of R$ 408,730 thousand; and (iii) Favorable decision in the process of social security contribution on the remuneration paid to accredited dentists (INSS of Self-employed), in the amount of R$ 348,820 thousand and in 2016, there were reversals of a provisions relating to: i) the process of INSS of the self-employed of the Bradesco Saúde subsidiary, in the amount of R$ 1,081,528 thousand; ii) to the Pis process - EC 17, in the amount of R$ 242,242 thousand; and iii) offset by the provision for social security contributions on transfers to private pension plans, in the amount of R$ 215,668 thousand; and (3) HSBC Brasil. e) Contingent liabilities classified as possible losses The Organization maintains a system to monitor all administrative and judicial proceedings in which the institution is plaintiff or defendant and, based on the opinion of legal counsel, classifies the lawsuits according to the expectation of loss. Case law trends are periodically analyzed and, if necessary, the related risk is reclassified. In this respect, contingent lawsuits deemed to have a possible risk of loss are not recorded as a liability in the financial statements. The main proceedings in this category are the following: a) 2006 to 2013 income tax and social contribution, relating to goodwill amortization being disallowed on the acquisition of investments, for the amount of R$ 6,264,741 thousand (R$ 5,894,504 thousand in 2016); b) Fines and disallowances of Cofins loan compensations, released after a favorable decision in a judicial proceeding, where the unconstitutionality of the expansion of the intended calculation base was discussed for revenues other than those from billing (Law n o 9,718/98), in the amount of R$ 4,902,151 thousand (R$ 3,999,185 thousand in 2016); c) Leases companies' Tax on Services of any Nature (ISSQN), total lawsuits correspond to R$ 2,394,087 thousand (R$ 2,398,185 thousand in 2016) which relates to the municipal tax demands from municipalities other than those in which the company is located and where, under law, tax is collected; d) IRPJ and CSLL deficiency note relating to disallowance of exclusions of revenues from the mark-to-market of securities from 2007 to 2013, differences in depreciation expenses, insufficient depreciation expenses, expenses with depreciation of leased assets, operating expenses and income and disallowance of tax loss compensation, in the amount of R$ 2,431,844 thousand (R$ 1,653,942 thousand in 2016); e) Notifications and disallowances of compensations of PIS and Cofins related to the unconstitutional extension of the basis of calculation intended for other income other than the billing (Law n o 9,718/98), from acquired companies, amounting to R$ 1,399,506 thousand (R$ 1,317,238 thousand in 2016); f) IRPJ and CSLL deficiency notice relating to the disallowance of loan loss deductions, for the amount of R$ 969,713 thousand (R$ 760,436 thousand in 2016); and g) IRPJ and CSLL deficiency note, amounting to R$ 489,687 thousand (R$ 459,962 thousand in 2016) relating to profit of subsidiaries based overseas, for the calendar years of 2008 and 2009.

Other liabilities

Other liabilities	12 Months Ended
	Dec. 31, 2017
Other liabilities [Abstract]
Other liabilities	38. Other liabilities R$ thousand On December 31 2017 2016 Financial liabilities Credit card transactions (1) 26,163,066 23,717,936 Foreign exchange transactions (2) 17,085,029 17,975,291 Loan assignment obligations 8,454,076 8,761,827 Capitalization bonds 7,562,974 7,502,158 Securities trading 2,317,155 2,569,881 Liabilities for acquisition of assets - financial leasing (Note 38 a) 857,212 1,063,649 Other liabilities Third party funds in transit (3) 7,211,038 7,068,452 Provision for payments 8,743,428 6,997,168 Sundry creditors 3,205,800 8,843,035 Social and statutory 4,524,457 4,631,237 Other taxes payable 1,466,306 1,528,980 Liabilities for acquisition of assets and rights 1,480,777 1,452,568 Other 8,745,506 4,853,333 Total 97,816,824 96,965,515 (1) Refers to amounts payable to merchants; (2) Mainly refers to the institution's sales in foreign currency to customers and its right's in domestic currency, resulting from exchange sale operations; and (3) Mainly refers to payment orders issued domestically and the amount of payment orders in foreign currency coming from overseas. a) Composition by maturity of financial leases and details of operating leases R$ thousand On December 31 2017 2016 Due within one year 564,337 578,965 From 1 to 2 years 256,327 375,073 From 2 to 3 years 36,548 109,611 Total 857,212 1,063,649 Total non-cancellable minimum future payments due on operating leases in 2017 are R$ 7,923,649 thousand, of which R$ 832,991 thousand is due within 1 year, R$ 3,325,401 thousand between 1-5 years and R$ 3,765,257 thousand with more than 5 years.

Equity

Equity	12 Months Ended
	Dec. 31, 2017
Equity [Abstract]
Equity	39. Equity a) Capital and shareholders' rights i. Composition of share capital in number of shares The share capital, which is fully subscribed and paid, is divided into registered shares with no par value. On December 31 2017 2016 (1) Common 3,054,481,112 3,054,481,112 Preferred 3,054,480,793 3,054,480,793 Subtotal 6,108,961,905 6,108,961,905 Treasury (common shares) (5,032,549) (5,032,549) Treasury (preferred shares) (18,855,746) (18,855,746) Total outstanding shares 6,085,073,610 6,085,073,610 ii. Changes in capital stock, in number of shares Common Preferred Total Number of shares outstanding on December 31, 2015 (1) 3,050,040,493 3,035,625,047 6,085,665,540 Shares acquired and not canceled (591,930) (591,930) Number of shares outstanding on December 31, 2016 (1) 3,049,448,563 3,035,625,047 6,085,073,610 Number of shares outstanding on December 31, 2017 3,049,448,563 3,035,625,047 6,085,073,610 (1) All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017 in proportion of one new share for every 10 shares held. In the Extraordinary General Meeting of March 10, 2016, the approval was proposed by the Board of Directors to increase the capital stock by R$ 8,000,000 thousand, increasing it from R$ 43,100,000 thousand to R$ 51,100,000 thousand, with a bonus in shares, through the capitalization of part of the balance of the account “Profit Reserves - Statutory Reserve”, in compliance with the provisions in Article 169 of Law n o 6,404/76, by issuing 504,872,885 new nominative-book entry shares, with no nominal value, whereby 252,436,456 are common and 252,436,429 are preferred shares, attributed free-of-charge to the shareholders as bonus, to the ratio of 1 new share for every 10 shares of the same type that they own on the base date. In the Extraordinary General Meeting of March 10, 2017, the approval was proposed by the Board of Directors to increase the capital stock by R$8,000,000 thousand, increasing it from R$51,100,000 thousand to R$59,100,000 thousand, with a bonus in shares, through the capitalization of part of the balance of the account “Profit Reserves - Statutory Reserve”, in compliance with the provisions in Article 169 of Law No. 6,404/76, by issuing 555,360,173 new nominative-book entry shares, with no nominal value, whereby 277,680,101 are common and 277,680,072 are preferred shares, attributed free-of-charge to the shareholders as bonus, to the ratio of 1 new share for every 10 shares of the same type that they own on the base date, and was approved by the Bacen on April 18, 2017. All of the shareholders are entitled to receive, in total, a mandatory dividend of at least 30% of Bradesco's annual net income, as shown in the statutory accounting records, adjusted by transfers to reserves. The Organization has no obligation that is exchangeable for or convertible into shares of capital. As a result, its diluted earnings per share is the same as the basic earnings per share. In occurring any operation that changes the number of shares, simultaneously with the transaction in the Brazilian Market, and with the same timeframes, an identical procedure is adopted in the International Market, for the ADRs/GDRs traded in New York, USA, and Madrid, Spain. Treasury shares are recorded at cost, which is approximately equivalent to the market prices on the date they are acquired. Cancellation of treasury shares is recorded as a reduction of unappropriated retained earnings. Treasury shares are acquired for subsequent sale or cancellation. b) Reserves Capital reserve The capital reserve consists mainly of premiums paid by the shareholders upon subscription of shares. The capital reserve is used for (i) absorption of any losses in excess of accumulated losses and revenue reserves, (ii) redemption, reimbursement of purchase of shares, (iii) redemption of founders´ shares, (iv) transfer to share capital, and (v) payment of dividends to preferred shares, when this privilege is granted to them. Revenue reserves In accordance with Corporate Legislation, Bradesco and its Brazilian subsidiaries must allocate 5% of their annual statutory net income, after absorption of accumulated losses, to a legal reserve, the distribution of which is subject to certain limitations. The reserve can be used to increase capital or to absorb losses, but cannot be distributed in the form of dividends. The Statutory Reserve aims to maintain an operating margin that is compatible with the development of the Organization's active operations and may be formed by up to 100% of net income remaining after statutory allocations if proposed by the Board of Executive Officers, approved by the Board of Directors and ratified at the Shareholders' Meeting, with the accumulated value limited to 95% of the Organization's paid-in capital share amount. c) Interest on shareholders' equity / Dividends Interest on shareholders' equity are calculated on the net income as determined in the financial statements prepared in accordance with Brazilian generally accepted accounting principles (BR GAAP) applicable to financial institutions authorized to operate by the Central Bank of Brazil. The dividends are paid in Reais and can be converted into US dollars and remitted to shareholders abroad, provided that the equity participation of the non-resident shareholder is registered with the Central Bank of Brazil, Brazilian companies may pay interest on equity to shareholders based on the net equity and treat these payments as deductible expenses in the Brazilian income tax and social contribution calculations. The interest cost is treated for accounting purposes as a deduction from equity in a manner similar to dividends. Withholding income tax is levied and paid at the time that the interest on equity is paid to the shareholders. In 2017 the Organization distributed interest on shareholders' equity of R$ 7,204,344 thousand, being attributed to the shareholders, the gross amount per share of R$ 1.13 for common shares and R$ 1.25 for preferred shares (2016 - R$ 6,975,782 thousand, R$ 1.09 for common shares and R$ 1.20 for preferred shares).

Transactions with related parti

Transactions with related parties	12 Months Ended
	Dec. 31, 2017
Transactions with related parties (Tables) [Abstract]
Transactions with related parties	40. Transactions with related parties Related party transactions are carried out under conditions and at rates consistent with those entered into with third parties, when applicable, and effective on the dates of the operations. The main transactions with related parties are presented as follows: R$ thousand Controllers (1) Associates and Jointly controlled companies (2) Key Management Personnel (3) Total On December 31 2017 2016 2017 2016 2017 2016 2017 2016 Assets Loans and advances to banks - - 724,369 1,033,479 - - 724,369 1,033,479 Other assets - - 3,572 6,128 - - 3,572 6,128 Liabilities Deposits from customers 931,141 1,374,940 103,734 62,928 87,213 86,594 1,122,088 1,524,462 Funds from issuance of securities 6,632,932 5,755,615 244,082 398,549 1,405,203 823,527 8,282,217 6,977,691 Social and statutory 2,275,419 1,770,149 - - - - 2,275,419 1,770,149 Other liabilities - - 8,827,877 13,704 - - 8,827,877 13,704 R$ thousand Controllers (1) Associates and Jointly controlled companies (2) Key Management Personnel (3) Total Years ended December 31 2017 2016 2015 2017 2016 2015 2017 2016 2015 2017 2016 2015 Revenues and expenses Net interest income (887,059) (1,129,931) (78,813) 40,671 (41,814) (426) (84,818) (108,333) (88,344) (931,206) (1,280,078) (167,583) Other revenues - - - 441,381 360,286 337,070 - - - 441,381 360,286 337,070 Other expenses (2,652) (2,391) (2,160) (289,100) (224,444) (246,504) - - - (291,752) (226,835) (248,664) (1) Cidade de Deus Cia. Cial. de Participações, Fundação Bradesco, NCF Participações S.A., Titanium Holdings S.A., BBD Participações S.A. and Nova Cidade de Deus Participações S.A.; (2) Companies listed in Note 2; and (3) Members of the Board of Directors and the Board of Executive Officers. a) Remuneration of key management personnel The following is established each year at the Annual Shareholders' Meeting: · The annual grand total amount of management compensation, set forth at the Board of Directors Meetings, to be paid to board members and members of the Board of Executive Officers, as determined by the Company's Bylaws; and · The amount allocated to finance Management pension plans, within the Employee and Management pension plan of the Bradesco. For 2017, the maximum amount of R$ 468,700 thousand was set for Management compensation and R$ 487,700 thousand to finance defined contribution pension plans. The current policy on Management compensation sets forth that 50% of net variable compensation, if any, must be allocated to the acquisition of PNB issued by BBD Participações S.A. and / or issued PN shares of Bradesco Bank S.A., which vest in three equal, annual and successive installments, the first of which is in the year following the payment date. This procedure complies with Resolution n o 3921/10, which sets forth a management compensation policy for financial institutions. Short-term benefits for management R$ thousand Years ended December 31 2017 2016 2015 Salaries 456,262 441,592 309,864 Total 456,262 441,592 309,864 Post-employment benefits R$ thousand Years ended December 31 2017 2016 2015 Defined contribution supplementary pension plans 473,663 251,250 311,670 Total 473,663 251,250 311,670 The Organization has no long-term benefits for the termination of employment contracts or for remuneration based on shares for its key management personnel. Other information a) Under current law, financial institutions are not allowed to grant loans or advances to: (i) Officers and members of the advisory, administrative, fiscal or similar councils, as well as to their respective spouses and family members up to the (ii) Individuals or corporations that own more than 10% of their capital; and (iii) Corporations in which the financial institution itself, any officers or administrators of the institution, as well as their spouses and respective family members up to the second degree own more than 10% of equity. Therefore, no loans or advances are granted by the financial institutions to any subsidiary, members of the Board of Directors or Board of Executive Officers and their relatives. b) Equity participation Together directly, members of the Board of Directors and Board of the Executive Officers had the following shareholding in Bradesco: On December 31 2017 2016 Common shares 0.5% 0.7% Preferred shares 1.0% 1.1% Total shares (1) 0.8% 0.9% (1) In December 31, 2017, direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers in Bradesco totaled 2.3% of common shares, 1.1% of preferred shares and 1.7% of all shares (2016 - 2.8% of common shares, 1.2% of preferred shares and 2.0% of all shares).

Off-balance sheet commitments

Off-balance sheet commitments	12 Months Ended
	Dec. 31, 2017
Off-balance sheet commitments [Abstract]
Off-balance sheet commitments	41. Off-balance sheet commitments The table below summarizes the total risk represented by off-balance sheet commitments: R$ thousand On December 31 2017 2016 Commitments to extend credit (1) 203,927,816 237,019,535 Financial guarantees (2) 78,867,348 78,949,483 Letters of credit for imports 294,229 329,015 Total 283,089,393 316,298,033 (1) Includes available lines of credit, limits for credit cards, personal loans, housing loans and overdrafts; and (2) Refers to guarantees mostly provided for Corporate customers. Financial guarantees are conditional commitments for loans issued to ensure the performance of a customer in an obligation to a third party. There is usually the right of recourse against the customer to recover any amount paid under these guarantees. Moreover, we can retain cash or other highly-liquid funds to counter-guarantee these commitments. The contracts are subject to the same credit evaluations as other loans and advances . Standby letters of credit are issued mainly to endorse public and private debt issue agreements including commercial paper, securities financing and similar transactions. The standby letters of credit are subject to customer credit evaluation by the management. We issue letters of credit in connection with foreign trade transactions to guarantee the performance of a customer with a third party. These instruments are short-term commitments to pay the third-party beneficiary under certain contractual terms for the shipment of products. The contracts are subject to the same credit evaluation as other loans and advances.

New standards and amendments an

New standards and amendments and interpretations of existing standards	12 Months Ended
	Dec. 31, 2017
New standards and amendments and interpretations of existing standards [Abstract]
New standards and amendments and interpretations of existing standards	42. New standards and amendments and interpretations of existing standards Standards, amendments and interpretations of existing standards in future periods · IFRS 9 replaces the guidance in IAS 39 - Financial Instruments: Recognition and Measurement. IFRS 9 is applied for financial instruments and will be adopted retrospectively on the effective date of the standard on January 1, 2018. IFRS 9 includes: (i) new models for the classification and measurement of financial instruments; (ii) measurement of expected credit losses for financial assets; and (iii) new requirements on hedge accounting. The new standard maintains the principal existing guidance on the recognition and derecognition of financial instruments in IAS 39. Pursuant to analysis made by the Organization, the estimated impacts from the adoption of IFRS 9 will represent, according to the best estimates, a reduction of approximately 2% (R$ 2.2 billion) of shareholders' equity, net of tax effects. (i) Classification - Financial assets IFRS 9 contains a new approach of classification and measurement of financial assets, where the entity considers not only the business model for the management of financial assets but also the features of contractual cash flow of the financial asset. IFRS 9 eliminates the categories existing in IAS 39 and classifies the financial assets into three categories: (i) measured at amortized cost; (ii) measured at fair value through other comprehensive income (FVTOCI); and (iii) measured at fair value through profit or loss (FVTPL). Pursuant to IFRS 9, derivatives embedded in agreements where the host asset is in the scope of the standard are never separated. Instead, the hybrid financial instrument as a whole is assessed for classification and usually classified as FVTPL. Based on the evaluation, the Organization does not believe that the new classification requirements, when applied from January 1, 2018, will have material impact on the recording of accounts receivable, loans and advances, investments in debt securities and investments in equity securities measured at fair value. On December 31, 2017, the Organization had equity investments classified as available for sale with fair value of R$ 11,038 millions which are held for long-term strategic purposes. Pursuant to IFRS 9, the Organization, on current best estimates, could designate these instruments as VJORA. Thus, all fair value gains and losses should be recorded in other comprehensive income, with no impairment losses recognized in the income (loss) and no gain or loss is recycled to the income (loss) upon realization. (ii) Impairment -Financial instruments IFRS 9 replaces the model of “incurred losses” of IAS 39 with a prospective model of “expected losses”. This will require relevant judgment as to how changes in economic factors affect expected credit losses, which will be determined based on weighted probabilities. The new model of expected losses will apply to the financial instruments measured at amortized cost or VJORA (except for investments in equity instruments). Pursuant to IFRS 9, the provisions for expected losses will be measured on one of the following bases: - Expected loan losses for 12 months, that is, loan losses resulting from all possible events of default within 12 months from the report date; and - Expected loan losses for the entire life, that is, loan losses resulting from all possible events of default over the expected life of a financial instrument. The measurement of expected losses for the entire life is applied when the credit risk of a financial asset, on the report date, has significantly increased since its first recognition, and the measurement of loan loss for 12 months is applied when the loan risk has not significantly increased since its first recognition. An entity may determine that the loan risk of a financial asset did not significantly increase when the asset has low credit risk on the date of the report. The Organization believes that impairment losses will increase and become more volatile than the current ones, for the assets assessed in the model of IFRS 9. Based on the methodology of allowance for loan losses adopted, the Organization estimated, on current best estimates, that the application of the impairment requirements of IFRS 9 on January 1, 2018 would result in additional allowance for loan losses, as described in the table below: R$ millions Provision for additional estimated credit losses on January 1, 2018 Credit portfolio (1) 3,829 Securities 842 Total gross additional provisions 4,671 (1) includes commitments and financial guarantees provided The following analysis provides additional details on the methodology adopted and on the impact estimated on January 1, 2018. Impairment of financial instruments Expected loan losses were calculated based on experience of actual loan losses in the past years. The Organization calculated the rates of expected loan losses based on the features of each portfolio, that is, it used quantitative models for loans assessed in a group and a combination of quantitative and qualitative models for large companies. The experience of actual loan losses was adjusted to reflect the differences between economic conditions during the period in which the historical data were collected, current conditions and the Organization's view of future economic conditions. The table below, on current best estimates, provides information on the estimated exposure to loan risk and expected loan losses and advances, commitments, financial collaterals provided and Private Debt Securities, on January 1, 2018. R$ millions Estimated Exposure to Credit Risk Expected Loss Expected Loss on Estimated Exposure to Credit Risk Stage 1 432,416 7,688 2% Stage 2 51,853 7,581 15% Stage 3 37,277 17,779 48% Total 521,546 33,048 6% Stage 1: Financial instruments that do not present significant deterioration in credit quality; Stage 2: Financial instruments that present significant deterioration in credit quality; and Stage 3: Financial instruments that indicate that the obligation will not be fully honored. With respect to Government Bonds, the Organization internally developed a study for loan risk evaluation of these bonds, which is not expected to be lost for the next 12 months, that is, there is no need of allowance for loan losses. (iii) Classification - Financial liabilities IFRS 9 maintains most part of the requirements of IAS 39 regarding the classification of financial liabilities. But, pursuant to IAS 39, the fair value variations of liabilities designated as FVTPL are recognized in the income (loss), whereas pursuant to IFRS 9, these changes of fair value should be presented as follows: • the fair value variation that is attributable to changes in the loan risk of financial liabilities should be presented in Other comprehensive income (OCI); and • the remaining value of the fair value variation should be presented in the income (loss). The Organization does not intend, in its best current estimates, to assign financial liabilities to the VJR. The evaluation conducted by the Organization did not indicate any material impact if the requirements of IFRS 9, regarding the classification of financial liabilities, were applied on January 1, 2018. (iv) Hedge Accounting Upon the first adoption the Organization opted to continue to apply the requirements of IAS 39 for hedge accounting, as permitted by IFRS 9 until the conclusion by the IASB of the macro-hedge project and the finalization of the hedge accounting section. IFRS 9 requires that the Organization ensures that the hedge accounting relations are aligned with its risk management purposes and strategies and that the Organization adopt a more qualitative and prospective approach to assess hedge effectiveness. IFRS 9 also introduces new requirements for re-balance of hedge relations and prohibits the voluntary discontinuance of the hedge accounting if inconsistent with the risk management strategies of the entity. (v) Disclosures IFRS 9 will demand new disclosures, mainly related to expected loan losses, credit risk and hedge accounting. The Organization's evaluation includes an analysis to identify the disclosure detail levels of the deficiencies in relation to the information required and current processes, and also implementations and improvements of controls in order to meet the new requirements. (vi) Transition Changes in accounting policies resulting from the adoption of IFRS 9 will be applied retrospectively on the date of initial application. - The Organization opted for the exemption under the Standard of not restating comparative information from prior periods derived from changes in the classification and measurement of financial instruments (including expected loan). The differences in the accounting balances of financial assets and liabilities resulting from the adoption of IFRS 9 will be recognized in Retained Earnings on January 1, 2018. - Based on the facts and circumstances existing on the date of first adoption the Organization is performing the following evaluations: · determination of the business model in which a financial asset is held. · designation and cancellation of prior designations of certain financial assets and liabilities measured at VJR; and · designation of certain investments in equity instruments not held for trading as VJORA. · IFRS 15 - Revenue from Contracts with Customers - requires that revenue is recognized so as to reflect the transfer of goods or services to the client for an amount that represents the company's expectation of having rights to these goods or services by way of consideration. IFRS 15 replaces IAS 18, IAS 11, and related interpretations (IFRICs 13, 15 and 18), and shall be applicable from January, 2018. We conducted a study on the recognition of revenue from customer contracts and concluded that there would be no significant impact on the Organization. · IFRS 16 - Leases. The main changes in relation to IAS 17 for lessees are: (i) there is no longer classification in operating and financial leases; and (ii) all leasing operations are accounted in liabilities, and interest and liabilities must be recognized in depreciation / amortization, using the current financial lease procedure. There are optional exemptions for short-term leases and leases of low-value items. Lessor accounting remains similar to the current standard, as lessors continue to classify leases as finance or operating leases. IFRS16 replaces IAS17 and will be applicable as of January 1, 2019 and the possible impacts arising from the adoption of this amendment are being evaluated, and will be concluded by the date of entry into force of the standard. · IFRS 17 - Insurance Contracts. Establishes the principles for the recognition, measurement, presentation and disclosure of insurance contracts within the scope of the Standard. The purpose of IFRS 17 is to ensure that an entity provides relevant information that faithfully represents those contracts. This information provides a basis for accounting firm users to evaluate the effect that insurance contracts have on the Company's financial position, financial performance and cash flows. IFRS 17 is effective for annual periods beginning on or after January 1, 2021. · IFRIC 23 - Applies to any situation where there is uncertainty as to whether an income tax treatment is acceptable under tax law. The scope of the Interpretation includes all taxes covered by IAS 12, that is, both current and deferred tax. However, it does not apply to uncertainty regarding taxes covered by other standards. IFRIC 23 becomes operative for financial periods beginning on or after January 1, 2019. The possible impacts arising from the adoption of this amendment are being evaluated and will be concluded by the date of entry into force of the standard.

Other information

Other information	12 Months Ended
	Dec. 31, 2017
Other information [Abstract]
Other information	43. Other information In June, 2017, Bradesco has signed definitive documents with Banco do Brasil S.A., Banco Santander (Brasil) S.A., Caixa Econômica Federal and Itaú Unibanco S.A., in order to create a holding company of credit intelligence ("GIC"), which will develop a database with the goal of adding, reconciling and handling database and credit-related information, of individuals and legal entities, which expressly authorize their inclusion in the database, as required by the applicable rules. The control of the company will be shared, with each party holding 20% of its capital. The necessary capital contribution occurred in July 2017. 2. Unconsolidated structured entities are unconsolidated entities that the Organization does not control, but which have a contractual and non-contractual involvement, and provide variability of returns arising from the performance. The organization has an involvement with structured entities through management of investment funds and portfolios making management fees and consortium management. The main unconsolidated structured entities are, (i) the investment funds managed by Organization, whose nature and involvement, generating management fees and investment in units for funds, the assets of managed funds and non consolidated in 2017 were R$ 338,846,142 thousand (2016 - R$ 426,390,575 thousand) and revenues earned in 2017 were R$ 1,463,469 thousand (2016 - R$ 1,079,653 thousand) and (ii) the consortium which nature and involvement is related to generation management fees of consortium quotas, represented by groups of quotaholders formed to aquire specific goods, whose assets in 2017 were R$ 74,323,031 thousand (2016 - R$ 71,075,119 thousand) and the revenues were in 2017 R$ 1,526,660 thousand (2016 - R$ 1,278,753 thousand). 3. In May, 2016, occurred the indictment of three members of its Bradesco's Executive Board of Directors by the Federal Police, in the scope of the so-called "Operation Zealots". On July, 2016, the Federal Public Prosecution filed an accusation against all three members of the Board of Executive Officers and a former member of its Board of Directors, which was received by the Judge of the 10th Federal Court of Judicial Section of the Federal District. The Management conducted a thorough internal evaluation of the records and documents related to the indictment and found no evidence of any illegality committed by its representatives. The executives of Bradesco have already submitted their respective answers to the prosecution, pointing out the facts and evidence demonstrating their innocence. The process has already had its investigation phase closed, now await the final allegations and sentence of the first degree trial. In parallel to his defense, the Chairman of the Board of Executive Officers of Bradesco, Mr. Luiz Carlos Trabuco Cappi, presented a petition for habeas corpus to the Regional Federal Court (Tribunal Federal Regional) - 1st Region. After processing the motion for habeas corpus, the 4th Panel of the aforementioned Court, by unanimous decision, excluded him from criminal proceedings, due to lack of just cause. This procedure is under appeal to STJ (Superior Court of Justice). The same habeas corpus was extended to the former member of the Board of Directors, previously indicted. Bradesco provided all the information requested to the competent regulatory bodies, in Brazil and abroad. Moreover, Bradesco was summoned by the General´s Office of the Ministry of Finance on the filing of an Administrative Proceeding ("PAR"). This process, which is in the pre-trial phase, may entail the possibility of application of a fine and/or mention on public lists, which may eventually lead to restrictions on business with public agencies. On account of the news published in the media, on the indictment in the "Operation Zealots", a class action was filed in the District Court of New York, on June 3, 2016. On September 1, 2016, Bradesco spontaneously attended the proceedings of the Class Action and agreed with the plaintiff a term for the submission of the revocation of the suit until December 23, 2016. On October 21, 2016, the Plaintiff Leader presented the addendum of the Initial Petition, appointing as defendants Bradesco and three members of its Board of Executive Officers. According to the demand, investors who purchased preferred American Depositary Shares (“ADS”) of Bradesco between April 30, 2012 and July 27, 2016 would have suffered losses provoked by Bradesco due to a supposed violation regarding the American law of capital markets, according to communication to the Market on May 31, June 8 and July 28, 2016. On December 23, 2016, Bradesco filed a motion to dismiss the process, which - following a reply from the Lead Plaintiff and a rejoinder from Bradesco, and on September 29, 2017, the Judge decided the following: (i) the Court partially upheld and rejected the termination request, limiting the proposed class to investors who purchased American Depositary Shares ("ADS") Bradesco between August 8, 2014 and July 27, 2016; and (ii) the Court granted to the Lead Plaintiff a 30-day term to present an addendum to the initial request. After said term, on October 30, 2017, the Lead Plaintiff informed the Judge that it will not present any amendments. Thus, the demand will lead to the discovery phase, so the limitation of the aforementioned class would be maintained. Given the current phase of the demand, it is not possible to perform a risk analysis and, besides, there are no elements to support the assessment of the amount of said risk. 4. The wholly-owned subsidiaries of Bradesco, BEM - Distribuidora de Títulos e Valores Mobiliários Ltda. and BRAM - Bradesco Asset Management S.A. Distribuidora de Títulos e Valores Mobiliários, as well as two of its Managers, were mentioned in the scope of the so-called "Greenfield operation" of the Federal Police, because they were responsible for the administration and management of the Fund in Equity - FIP (Equity Investment Fund), respectively. Besides providing the documents, the Federal Court has ruled, in the course of this Operation, the blocking of these companies' values. As a result of this, a Commitment was signed, approved by the 10th Federal Court of the Federal District, to release the values through the provision of guarantees of up to R$104 million, without the recognition of any civil or criminal liability on the part of companies or administrators of the Organization. In the scope of this commitment, managers and officers of the Organization committed to provide any clarifications to the authorities responsible for conducting this investigation, regardless of a formal subpoena. 5. In July 2017, Bradesco Seguros SA ("Bradesco Seguros") and Swiss Re Corporate Solutions Ltd. ("Swiss Re Corso") concluded the transaction, by means of a shareholder agreement, whereby: (i) Swiss Re Corporate Solutions Brasil Seguros S/A ("Swiss Re Corporate Solutions Brazil") took over part of the P&C (Property and Casualty) insurance operations, such as, Aeronautical, Marine, Civil Liability and shipments from Bradesco Seguros ("Large Risks Insurance"), with exclusive access to Bradesco customers to explore the commercialization of Large Risks Insurance; and (ii) Bradesco Seguros held a 40% interest in Swiss Re Corporate Solutions Brasil represented by a total of 172,560,054 book entry shares, common and nominative in the amount of R$363,103 thousand, and 60% remained with Swiss Re Corso. The transaction was approved by the Private Insurance Superintendence (Susep), the Administrative Council for Economic Defense (Cade) and the Central Bank (Bacen). The association includes exclusive access to the distribution network of Bradesco Seguros, comprised of more than 140 branches, more than 4,700 branches of Banco Bradesco and approximately 40,000 registered brokers and insurance agents. As part of the transaction, approximately 120 large risk experts from Bradesco Seguros, in São Paulo and Rio de Janeiro, joined Swiss Re Corporate Solutions Brasil Seguros S/A. The investment totals R$490,000 thousand, recorded by Bradesco Seguros S.A., includes goodwill on the acquisition of shares in the amount of R$126,897 thousand. 6. In May 2017, Bradesco - as an indirect holder of equity interest in IRB - announced to shareholders that had authorized IRB to submit: (i) application for registration as a publicly-held company and for authorization of initial public offering of IRB, pursuant to CVM Instructions 400/03 and 480/09; and (ii) application for registration of secondary public distribution of common shares issued by IRB, pursuant to CVM Instruction 400/03. In July 2017, Bradesco announced that the documents were filed in compliance with the requirements formulated by CVM in the context of the Secondary Public Offering of IRB's common shares and the closing of the bookbuilding procedure of the Offering, which defined the price per share at R$27.24. 14,040,000 shares were sold in the Base Offering and then the entire supplementary lot totaling 16,206,387 shares. Bradesco indirectly holds 47,520,213 shares and a 15.23% interest in the capital stock of IRB. 7. In July 2017, Bradesco launched a Special Voluntary Severance Program Scheme (PDVE), in which the Organization's employees who fulfilled the requirements established in the regulations of the respective plan may join. The deadline for joining the plan ended in late August 2017, with the adhesion of 7.4 thousand employees, and a total cost of R$2.3 billion. The estimated annual effect on personnel expenses is a reduction of R$1.5 billion.

Subsequent events

Subsequent events	12 Months Ended
	Dec. 31, 2017
Subsequent events [Abstract]
Subsequent events	44. Subsequent events 1. In January 2018, Bradesco carried out credit assigned loans, already written off to loss, without retention of risks and benefits, with a face value of R$ 5,323,120 thousand, whose sale value was R$ 110,189 thousand.

Risk Management

Risk Management	12 Months Ended
	Dec. 31, 2017
Risk Management [Abstract]
Risk Management	3. Risk Management Risk-management structure The risk and capital management structure is made up of committees, which assist the Board of Directors, the CEO and the Board of Executive Officers in their strategic decision-making process. The Organization has a committee known as the Integrated Risk and Capital Allocation Management Committee (COGIRAC), whose duty is to advise the Board of Directors in performing its duties in risk management, capital and control. This committee is assisted by the Capital Management Executive Committee, and Risk Management Executive Committees in managing a) Credit risk, b) Market and Liquidity risk, c) Operational and Social and Environmental risk and d) Bradesco's Insurance Group and BSP Empreendimentos Imobiliários. In addition, it also has the support of the Products and Services Executive Committee and the Executive Committees in business areas, which, among other duties, suggest exposure thresholds to their respective risks and prepare mitigation plans to be submitted to the Integrated Risk and Capital Allocation Management Committee and the Board of Directors. To comply with Resolution 4.557/17 of the National Monetary Council (CMN), the Risk Committee was implemented in order to also assist the Board of Directors in the performance of its assignments related to risk and capital management, and the position of Chief Risk Officer (CRO) was formalized, which, among other responsibilities, exercises the supervision of the development, implementation and performance of the risk management structure, including its improvement, on independent basis and reporting to the Risk Committee, CEO and Board of Directors. The Integrated Risk Control Department (DCIR), whose mission is to promote and to implementing risk control and capital allocation through robust practices and certification of existence, execution and effectiveness of controls which assure acceptable risk levels in the Organization's processes, independently, consistently, on a transparent and integrated manner. This Department is also responsible for complying with the Brazilian Central Bank rules for risk management activities. Risk appetite The risk appetite refers to the types and levels of risks that the Organization is willing to accept in the conduct of its business and purposes. The Risk Appetite Statement - RAS is an important instrument that summarizes the risk culture of the Organization, and guides the strategic and business plans, driving the budget planning and allowing Senior Management to optimize the allocation of capital at acceptable risk levels and types. At the same time, RAS emphasizes the existence of an efficient process of assignments in the operational risk management and in the performance of control functions, as well as for mitigation and disciplinary actions and processes of scheduling and reporting to Senior Management upon breach of the risk limits or control processes established. The Risk Appetite Statement is reviewed on annual basis, or whenever necessary, by the Board of Directors and permanently monitored by forums of the Senior Management and business and control areas. RAS reinforces the dissemination of the risk culture by disclosing the main aspects of risk appetite of the Organization to all its members. For the many types of risks, whether measurable or not, the Organization established control approaches, observing the main global dimensions : · Solvency : to maintain a proper capital level, even on prospective basis, to cover unexpected losses, situations of stress and business opportunities, in compliance with regulatory requirements, thus ensuring the soundness of the Organization; · Profitability: to remunerate its capital on sustainable basis, seeking to cover the remuneration expectation of its shareholders in relation to the risks assumed in their business; · Liquidity: to maintain diversified and low cost sources of funding through interconnected network and dynamic and proper segmentation to provide a cash structure compatible with the size of its obligations; thus, ensuring survival even in adverse scenarios; · Loan: to focus on domestic public, on diversified and dispersed manner, in terms of products and segments, aiming at the security and quality of the portfolio, with guarantees consistent with the risks assumed, considering the amounts, purposes and terms of loans granted and maintaining proper levels of provisions and concentrations; · Market: to align the exposures to the strategic guidelines, with specific limits established on independent basis and with risks mapped, measured and classified as to the probability and magnitude; and · Operational: to mitigate operating risks related to frauds, corruption, intentional violations of legislative or regulatory requirements, as well as to mitigate human or procedural errors in the performance of supporting and business activities. More detailed information about the Risk Appetite Statement is available in the Risk Management Report - Pillar 3 published at http://www.bradescori.com.br. Stress Test Program The risk management structure has a stress test program defined as a coordinated set of processes and routines, containing own methodologies, documentation and governance, whose principal purpose is to identify potential vulnerabilities of the institution. Stress tests are exercises of prospective evaluation of the potential impacts of adverse events and circumstances on capital, on liquidity or on the value of a portfolio of the Organization. The Board of Executive Officers and Board of Directors are responsible for the approval of the program, guidelines to be followed and for the approval of the scenarios and results of stress tests. Stress tests are used as tool for the management of risks, in its identification, measurement, evaluation, monitoring, control and mitigation of risks of the institution. The results of stress tests are used for evaluation of capital and liquidity levels of the institution, for preparation of the respective contingency plans, for evaluation of the capital adequacy, and for the recovery plan. Similarly, the results are considered in the decisions related to strategic guidelines, definition of the levels and limits of risk appetite applied to the management of risks and capital, as well as in the definition of governance actions aimed at mitigation of risks identified as inconsistent with the risk appetite of the Organization. 3.1. Credit risk Credit risk refers to the possibility of losses associated with the borrower's or counterparty's failure to comply with their financial obligations under the terms agreed, as well as the fall in value of loan agreements resulting from deterioration in the borrower's risk rating, the reduction in gains or remunerations, benefits granted to borrowers in renegotiations, recovery costs and other costs related to the counterparty's noncompliance with the financial obligations. Credit risk management in the Organization is a continuous and evolving process of mapping, development, assessment and diagnosis through the use of models, instruments and procedures that require a high degree of discipline and control during the analysis of transactions in order to preserve the integrity and autonomy of the processes. The Organization controls the exposure to credit risk which comprises mainly loans and advances, securities and derivatives. There is also the credit risk in financial obligations relating to commitments on loan or financial guarantees. With the objective of not compromising the quality of the portfolio, all aspects inherent to credit concession, concentration, guarantee requirements and terms, among others, are observed. The Organization continuously maps all the activities that could possibly generate exposure to credit risk, classifying them by their probability and magnitude, identifying their managers and mitigation plans. Counterparty Credit Risk The counterparty credit risk to which the Organization is exposed includes the possibility of losses due to the non-compliance by counterparties with their obligations relating to the settlement of financial asset trades, including the settlement of derivative financial instruments. Counterparty credit risk also includes the risk related to a downgrade in the counterparty's credit standing. The Organization exercises complete control over its net position (the difference between purchase and sale agreements) and potential future exposures from operations where there is counterparty risk. Each counterparty's exposure to risk is treated in the same way and is part of general credit limits granted by the Organization's to its customers. Usually, guarantees associated with this type of operation include margin deposits, which are made by the counterparty with the Organization or with other trustees, whose counterparty's risks are also appropriately evaluated. Credit Concession Under the responsibility of the Credit Department, lending procedures are based on the Organization's credit policy emphasizing the security, quality and liquidity of the lending. The process is guided by the risk-management governance and complies with the rules of the Central Bank of Brazil. The methodologies adopted value business agility and profitability, with targeted and appropriate procedures oriented to the granting of credit transactions and establishment of operating limits. In the evaluation and classification of customers or economic groups, the quantitative (economic and financial indicators) and qualitative (personal data and behaviors) aspects associated with the customers capacity to honor their obligations are considered. All business proposals are subject to operational limits, which are included in the Loan Guidelines and Procedures. At branches, the delegation of power to grant a loan depends on its size, the total exposure to the Organization, the guarantees offered, the level of restriction and their credit risk score/rating. Business proposals with risks beyond these limits are subject to technical analysis and approval of by the Credit Department. In its turn, the Executive Credit Committee was created to decide, within its authority, on queries about the granting of limits or loans proposed by business areas, previously analyzed and with opinion from the Credit Department. According to the size of the operations/limits proposed, this Committee, may then submit the proposal for approval by the Board of Directors, depending on the amounts involved. Loan proposals pass through an automated system with parameters set to provide important information for the analysis, granting and subsequent monitoring of loans, minimizing the risks inherent in the operations. There are exclusive Credit and Behavior Scoring systems for the assignment of high volume, low principal loans in the Retail segment, meant to provide speed and reliability, while standardizing the procedures for loan analysis and approval. Business is diversified wide-spread and aimed at individuals and companies with a proven payment capacity and solvency, seeking to support them with guarantees that are adequate to the risk assumed, considering the amounts, objectives and the maturities of loan granted. Credit Risk Rating The credit risk assessment methodology, in addition to providing data to establish the minimum parameters for lending and risk management, also enables the definition of Special Credit Rules and Procedures according to customer characteristics and size. Thus, the methodology provides the basis not only for the correct pricing of operations, but also for defining the appropriate guarantees. The methodology used also follows the requirements established by (CMN) Resolution 4,327/14 and includes analysis of social and environmental risk in projects, aimed at evaluating customers' compliance with related laws and the Equator Principles, a set of rules that establish the minimum social and environmental criteria which must be met for lending. In accordance with its commitment to the continuous improvement of methodologies, the credit risk rating of the Organization's economic groups/customers uses an eighteen-level scale, in which fourteen levels represent performing loan operations, ensuring greater compliance with the requirements of the Basel Capital Accord. Risk ratings for economic groups (legal entities) are based on standardized statistical and judgmental procedures, and on quantitative and qualitative information. Classifications are carried out in a corporate manner and periodically monitored in order to preserve the quality of the credit portfolio. For individuals, in general, credit ratings are based on personal data variables, such as income, assets, restrictions and indebtedness, in addition to the history of their relationship with the Organization, and statistical credit evaluation models. The risk classification adopted on the basis of the customers' capacity of honoring their commitments is shown below: Internal Rating Organization classification 1 AA1 2 AA2 3 AA3 4 A1 5 A2 Low risk 6 A3 7 B1 8 B2 9 B3 10 C1 11 C2 12 C3 13 C4 Medium risk 14 D 15 E 16 F High risk 17 G 18 H Credit-Risk Management Process The credit risk management process is conducted in a corporation-wide manner. This process involves several areas with specific duties, ensuring an efficient structure. Credit risk measurement and control are conducted in a centralized and independent manner. The credit risk monitoring area actively participates in improving the customer risk rating models, following up large risks by periodically monitoring major delinquencies and the provisioning levels for expected and unexpected losses. This area continuously reviews the internal processes, including the roles and responsibilities and it training and requirements, as well as conducts periodical reviews of risk evaluation processes to incorporate new practices and methodologies. Control and Monitoring The credit risk of the Organization has its control and corporate follow-up done in the credit risk area of the DCIR. The Department advises the Executive Committee on Credit Risk Management, where methodologies for measuring credit risk are discussed and formalized. Significant issues discussed in this committee are reported to the COGIRAC, which is subordinate to the Board of Directors. In addition to committee meetings, the area holds monthly meetings with all product and segment executives and officers, with a view to inform them about the evolution of the loan portfolio, deliquency, credit recoveries, gross and net losses, limits and concentrations of portfolios, among others. This information is also reported to the Audit Committee on a monthly basis . The area also monitors any internal or external event that may cause a significant impact on the Organization's credit risk, such as spin-offs, bankruptcies and crop failures, in addition to monitoring economic activity in the sectors to which the company has significant risk exposures. Both the governance process and existing limits are sanctioned by the Integrated Risk Management and Capital Allocation Committee, which are submitted for the approval of the Board of Directors, being reviewed at least once a year. Internal Report Credit risk is monitored on a daily basis in order to maintain the risk levels within the limits established by the Organization. Managerial reports on risk control are provided to all levels of business, from branches to Senior Management. With the objective of highlighting the risk situations that could result in the customers' inability to honor its obligations as contracted, the credit risk monitoring area provides daily reports, to the branches, business segments, as well as the lending and loan recovery areas. This system provides timely information about the loan portfolios and credit bureau information of customers, in addition to enabling comparison of past and current information, highlighting points requiring a more in-depth analysis by managers. The Organization also has an electronic corporate system of credit risk indicators to provide the lending and loan recovery areas, business areas, regional managers and branches with information on assets by segment, product, region, risk classification, delinquency and expected and unexpected losses, among others. This electronic system provides both a macro-level and detailed view of the information, and also enables a specific loan operation to be viewed. The information is viewed and delivered via dashboards, allowing queries at several levels such as business segment, divisions, managers, regions, products, employees and customers, and under several aspects (asset, delinquency, provision, write-off, restriction levels, guarantees, portfolio quality by rating, among others). Credit Risk Exposure We present below the credit risk exposure of the financial instruments. R$ thousand On December 31 2017 2016 Cash and balances with banks 81,742,951 72,554,651 Derivative financial instruments 13,866,885 16,755,442 Loans and advances to banks 32,253,205 94,845,534 Loans and advances to customers 373,813,665 392,083,873 Other financial assets 599,199,362 497,974,002 Total items recorded in the balance sheet (1) 1,100,876,068 1,074,213,502 Total items not recorded in the balance sheet (Note 41) 283,089,393 316,298,033 Total risk exposure 1,383,965,461 1,390,511,535 (1) Collaterals are mainly represented by: securities, properties, financial investments, sureties and guarantees. The Organization's maximum credit risk exposure was R$ 1,383,965,461 thousand in 2017, which was an reduction of 0.5% compared to 2016. Of this exposure, R$ 81,742,951 thousand, or 5.9% is related to cash and bank deposits composed mainly of funds deposited with the Central Bank of Brazil that are assessed to have low credit risk. Operations classified as “Other financial assets” item totaling R$ 599,199,362 thousand (43.3% of the total exposure), have a low credit risks as it primarily consists of Brazilian government bonds which, are recorded at their market value, represented by “Financial assets held for trading” R$ 241,710,041 thousand (2016 - R$ 213,139,846 thousand), “Financial assets available for sale” R$ 159,412,722 thousand (2016 - R$ 113,118,554 thousand) and “Investments held to maturity” recognized as amortized cost in the amount of R$ 39,006,118 thousand (2016 - R$ 43,002,028 thousand). In 2017, items not recorded in the consolidated statement of financial position (recorded in off-balance sheet accounts) amounted to R$ 283,089,393 thousand (2016 - R$ 316,298,033 thousand), reaching a level of 20.5% (2016 - 22.6%) of total exposure. The following provides a detailed analysis of other exposures subject to credit risk totaling R$ 419,933,755 thousand, representing 30.3% of the total exposure, including derivatives of R$ 13,866,885 thousand, loans and advances to banks of R$ 32,253,205 thousand and loans and advances to clients of R$ 373,813,665 thousand. Derivative Financial Instruments R$ thousand On December 31 2017 2016 Traded in the stock exchange 88,120 1,068,418 OTC contract 13,778,765 15,687,024 Total 13,866,885 16,755,442 In relation to derivatives, 99.4% of the total, refers basically to over-the-counter contracts, stock exchange depositories. Of the total of the Derivative financial instruments, 93.0% is assessed to have "low credit risk" by the Organization's internal procedures. Loans and advances to banks We present below the portfolio of loans and advances to banks as rated internally by the Organization: R$ thousand On December 31 2017 2016 Low risk 32,253,205 94,845,534 Medium risk - - High risk - - Total 32,253,205 94,845,534 Ratings as assigned by the Organization: Low risk : Ratings AA1 - C3; Medium risk : Rating C4 - D; and High risk : Ratings E - H. None of the loans and advances to banks are classified as past-due or impaired. In addition, the portfolio has no debt-restructuring history. Loans and advances to customers The loans and advances to customers are classified as: · Neither past due nor impaired. · Past due but not impaired. · Impaired, including loans and advances classified as impaired and loans and advances that are analyzed individually for loss classified as impaired. The Organization's loans and advances to customers are classified as “impaired” when they fall in at least one of the following situations: (a) are delinquent more than 90 days, except for housing loan operations secured by residential property (overdue more than 180 days) and/or; (b) have incurred a loss and/or; (c) have been renegotiated and/or; (d) have been reclassified as a higher risk level; and/or (e) have been subject to bankruptcy events. The internal models used by the Organization are based on client or product. R$ thousand On December 31 2017 2016 Neither past due nor impaired (i) 321,595,918 337,337,152 Past due but not impaired (ii) 10,684,314 12,612,906 Impaired (iii) 41,533,433 42,133,815 Total loans and advances to customers 373,813,665 392,083,873 Impairment of loans and advances (27,055,566) (24,780,839) Net amount 346,758,099 367,303,034 The portfolio of loans and advances to customers presented a reduction of 4.7% from 2017 to December 2016. (i) Loans and advances to customers neither past due nor impaired R$ thousand On December 31 2017 2016 Low risk 309,535,667 325,170,838 Medium risk 9,895,319 10,269,218 High risk 2,164,932 1,897,096 Total 321,595,918 337,337,152 Ratings as assigned by the Organization: Low risk : Ratings AA1 - C3; Medium risk : Rating C4 - D; and High risk : Ratings E - H. The loans and advances to customers assessed to be neither past due nor impaired totaled R$ 321,595,918 thousand in 2017 . Of the total transactions, 96.2 % were classified as low risk. (ii) Loans and advances to customers past due but not impaired We present below the analysis by number of days past due of the contracts for loans and advances which were not classified as being impaired in the collective analysis and those which are not impaired based on the individual analysis. For the purpose of this analysis, an asset is considered past due and included in the following table when payment is late or is not received strictly in accordance with the contractual terms. The amount included in this category comprises the total financial asset, i.e. not only the overdue installment amount but the full contractual amount plus accrued interest. The loans and advances to customers which are not individually material, which have not been classified as impaired are presented in this category. The individually material loans and advances may be presented in this category when, based on the individual analysis, it is not necessary to record an individual impairment loss and, accordingly, the asset is then subject to a collective loss analysis. R$ thousand On December 31 2017 2016 Past due up to 60 days 8,177,461 9,737,697 Past due between 61 and 90 days 2,302,186 2,608,305 Past due for more than 90 days 204,667 266,904 Total 10,684,314 12,612,906 The above table shows loans and advances, which despite being past due, do not provide indications of possible impairment. This amount represented 2.9% of the portfolio in 2017 (2016 - 3.2%). (iii) Loans and advances to customers impaired R$ thousand On December 31 2017 2016 Portfolio not yet due 20,342,024 17,567,703 Past due up to 60 days 2,915,081 4,067,322 Past due between 61 and 90 days 1,279,795 1,284,035 Past due for more than 90 days 16,996,533 19,214,755 Total 41,533,433 42,133,815 Loans and advances to customers impaired reached R$ 41,533,433 thousand and accounted for 11.1% of the total portfolio in 2017 (2016 - 10.7%). By type of loan category The following table presents the loans and advances impaired by category: R$ thousand On December 31 2017 2016 Credit card 6,158,265 5,962,131 Working capital 6,052,758 5,940,498 Personal credit 4,632,789 4,951,949 Housing loans 4,071,447 2,553,802 Financing and export 2,770,221 2,456,658 Vehicles - CDC (Direct consumer credit) 1,333,748 1,651,852 Rural loans 982,699 946,282 Onlending BNDES/Finame 780,985 1,052,671 Overdraft for individuals 638,506 882,992 Acquisition of assets 295,944 459,574 Overdraft for corporates 256,271 406,296 Other 13,559,800 14,869,110 Total 41,533,433 42,133,815 Renegotiated loans and advances The total balance of “Loans and advances to customers impaired” includes renegotiated loans and advances to customers. Such loans contemplate extension of loan payment terms, grace periods, reductions in interest rates, and/or, in some cases, the forgiveness (write-off) of part of the loan principal amount. Renegotiations may occur after debts are past due or when the Company has information about a significant deterioration in the client's creditworthiness. The purpose of such renegotiations is to adapt the loan to reflect the client's actual payment capacity. The following table shows changes made and our analysis of our portfolio of renegotiated loans and advances to customers: R$ thousand On December 31 2017 2016 Opening balance 17,501,423 12,728,723 Additional renegotiated amounts, including interest 16,185,863 18,777,814 Payments received (10,108,040) (8,997,802) Write-offs (6,395,377) (5,007,312) Closing balance 17,183,869 17,501,423 Impairment of loans and advances (10,853,777) (10,346,397) Total renegotiated loans and advances to customers, net of impairment at the end of the year 6,330,092 7,155,026 Impairment on renegotiated loans and advances as a percentage of the renegotiated portfolio 63.2% 59.1% Total renegotiated loans and advances as a percentage of the total loan portfolio 4.6% 4.5% Total renegotiated loans and advances as a percentage of the total loan portfolio, net of impairment 1.8% 1.9% At the time a loan is modified, Management considers the new loan's conditions and renegotiated maturity and it is no longer considered past due. From the date of modification, renegotiated interest begins to accrue, using the effective interest rate method, taking into consideration the customer's capacity to pay the loan based on the analysis made by Management. If the customer fails to maintain the new negotiated terms, management considers ceasing accrual from that point. Additionally, any balances related to renegotiated loans and advances to customers that have already been written off and recorded in off-balance sheet accounts, as well as any gains from renegotiations, are recognized only when received. Concentration of credit risk in loans and advances On December 31 2017 2016 Largest borrower 2.5% 2.3% 10 largest borrowers 8.2% 8.5% 20 largest borrowers 12.2% 12.6% 50 largest borrowers 17.8% 18.5% 100 largest borrowers 22.2% 23.0% By Economic Activity Sector The credit-risk concentration analysis presented below is based on the economic activity sector in which the counterpart operates. On December 31 - R$ thousand 2017 % 2016 % Public sector 9,676,927 2.6 8,813,581 2.2 Oil, derivatives and aggregate activities 9,410,382 2.5 8,813,581 2.2 Production and distribution of electricity 1,322 - - - Other industries 265,223 0.1 - - Private sector 364,136,738 97.4 383,270,292 97.8 Companies 190,148,345 50.9 212,344,421 54.2 Real estate and construction activities 29,383,442 7.9 33,888,418 8.6 Retail 23,935,638 6.4 25,346,471 6.5 Services 17,996,533 4.8 18,172,147 4.6 Transportation and concession 14,190,284 3.8 17,044,780 4.3 Automotive 10,014,454 2.7 13,148,526 3.4 Food products 8,866,028 2.4 10,870,635 2.8 Wholesale 9,045,916 2.4 10,704,646 2.7 Production and distribution of electricity 7,360,804 2.0 8,255,265 2.1 Siderurgy and metallurgy 7,001,290 1.9 7,800,237 2.0 Sugar and alcohol 7,042,811 1.9 7,514,693 1.9 Other industries 55,311,145 14.8 59,598,603 15.2 Individuals 173,988,393 46.5 170,925,871 43.6 Total portfolio 373,813,665 100.0 392,083,873 100.0 Impairment of loans and advances (27,055,566) (24,780,839) Total of net loans and advances to customers 346,758,099 367,303,034 Measurement of Credit Risk Periodically, the Organization evaluates the existence of objective evidence of loss in the loans and advances portfolio, taking into account its historical experience of impairment losses and employing other methodologies to consider the customer' quality as well as the nature of the transaction including its guarantees for estimating the expected cash flows, which are reviewed regularly in order to constantly improve the models and to ensure that the provision is sufficient. Initially, clients are classified as individually significant and individually non-significant. Following that initial classification, clients are evaluated on the basis of the existence of evidence of one or more objective loss events. As sometimes it may not be possible to identify a specific event that has caused a loss in the recoverable amount, the combined effects of several events are evaluated. In addition, loss events may be specific, that is, refer to only a particular client, such as payment defaults, renegotiation or bankruptcy event, or be collective and affect a group of assets as a result, for example, interest or exchange rate variations or a reduction in the activity level of one or more economic sectors. For individually significant clients with specific objective evidences of impairment, the impairment loss is estimated by individual analysis, taking into account the future cash flows expected from each client, including the realization of guarantees associated with operations. For individually non-significant clients with specific objective evidence of impairment, the, impairment loss is estimated using proprietary historic loss experience models which are based on observable information on the calculation date. Clients showing no specific objective evidence of impairment losses, both individually significant and individually non-significant clients, are evaluated collectively using the Organization's internal models based on collective parameters of loss identified and macroeconomic parameters of economic activity and default. For collective evaluation, Probability of Default and Loss Given Default models, as well as the Loss Identification Period factor, are used. Probability of Default (PD): determines the probability of default perceived by the Organization with respect to the customer, according to its internal evaluation model. This risk parameter is determined differently for each segment: retail models are quantitative, while wholesale models are both quantitative and qualitative (subjective). Loss Given Default (LGD): refers to the percentage effectively lost after recovery efforts given the default of the contract, which is expressed as a percentage of exposure. Loss Identification Period (LIP): interim period between the occurrence of the loss event in groups of collectively evaluated financial assets, significant and non significant, and its identification by the institution as being impaired. Write-offs Credits are written off in the consolidated statement of financial position against impairment of loans and advances when they are considered uncollectible or a permanent loss. Loans and advances to banks are normally written off when they are overdue for 180 to 360 days. Loans and advances to banks with remaining maturities of at least 36 months are normally written off when they are overdue for 360 to 540 days. Credit Risk Mitigation Potential credit losses are mitigated by the use of a variety of types of collateral formally stipulated through legal instruments, such as conditional sales, liens and mortgages, by guarantees such as third-party sureties or guarantees, and also by financial instruments such as credit derivatives. The efficiency of these instruments is evaluated considering the time to recover and realize an asset given as collateral, its market value, the guarantors' counterparty risk and the legal safety of the agreements. The main types of collaterals include: term deposits; financial investments and securities; residential and commercial properties; movable properties such as vehicles, aircraft. Additionally, collateral may include commercial bonds such as invoices, checks and credit card bills. Sureties and guarantees may also include bank guarantees. Credit derivatives are bilateral contracts in which one of the counterparties buys protection against a credit risk of a particular financial instrument and its risk is transferred to the counterparty that sells the protection. Normally, it receives a remuneration over the life of the operation. In the event of default by the borrower, the counterparty who purchased the protection will

Significant Accounting Polici51

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies (Policies) [Abstract]
Significant Accounting Policies	These consolidated financial statements of the Organization were prepared in accordance with the International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB). The consolidated financial statements include the consolidated statements of financial position, consolidated statements of income, consolidated statements of comprehensive income, consolidated statements of changes in equity and consolidated statements of cash flows as well as the notes to the consolidated financial statements. These consolidated financial statements have been prepared based on historical cost, except for the following material items in the balance sheet: available for sale measured at fair value, assets and liabilities held for trading measured at fair value and financial instruments designated at fair value through profit or loss, and defined-benefit liabilities that are recognized at the present value of the defined benefit obligation less the net total of the plan assets, plus unrecognized actuarial gains less the cost of past services not recognized. The Organization has classified its expenses according to their nature. The consolidated statement of cash flows shows the changes in cash and cash equivalents during the year arising from operating, investing and financing activities. Cash and cash equivalents include highly liquid investments. Note 19 details the accounts of the consolidated statement of financial position that comprise cash and cash equivalents. The consolidated statement of cash flows is prepared using the indirect method. Accordingly, the income before taxes was adjusted by non-cash items such as provisions, depreciation, amortization and Impairment losses on loans and advances. The interest and dividend received and paid are classified as operating, financing or investment cash flows according to the nature of the corresponding assets and liabilities. The preparation of the consolidated financial statements requires the use of estimates and assumptions which affect the reported amounts of assets and liabilities, as well as the disclosure of contingent assets and liabilities at the date of the financial statements, and the profit and loss amounts for the year. The consolidated financial statements also reflect various estimates and assumptions, including, but not limited to: adjustments to the impairment provision of loans and advances; estimates of the fair value of financial instruments; depreciation and amortization rates; impairment losses on assets; the useful life of intangible assets; evaluation of the realization of tax assets; assumptions for the calculation of technical provisions for insurance, supplemental pension plans and capitalization bonds; provisions for contingencies and provisions for potential losses arising from fiscal and tax uncertainties. The areas involving a higher degree of judgment or complexity, or areas where assumptions and estimates are significant to the consolidated financial statements are disclosed in Note 4. The accounting policies listed below were used in all the periods presented and by all the companies of the Organization.
Recent Acquisitions	2.1 Recent Acquisitions In August, 2015, Bradesco signed the Purchase and Sale of Shares Agreement with HSBC Latin America Holdings Limited for the acquisition of 100% of the equity of HSBC Bank Brasil S.A. (“HSBC Bank”) and HSBC Serviços e Participações Ltda. (“HSBC Serviços”). In June 2016, the final approval of regulatory agencies was given in compliance with legal formalities. With the conclusion of the acquisition, on July 1, 2016, Bradesco assumed all operations of HSBC in Brazil, including retail, insurance and asset management, as well as all the branches and clients, reinforcing its presence and competitiveness throughout the national territory. In July 2016, there was a total division of the equity of HSBC Serviços, where portions of this equity were transferred to HSBC Bank and to Credival Participações, Administração e Assessoria Ltda. (Credival), that is a wholly owned subsidiary of HSBC Bank. In October 2016, approval was granted in an Extraordinary General Meeting for the partial spin-off of HSBC Brasil, through the absorption of portions of its equity by companies of the Organization, enabling progress with the integration of operational and technological platforms, resulting in the replacement of the HSBC brand in its service network, becoming Bradesco. Thus, Bradesco began to operate with a unified platform (branches, ATMs, and systems), to which all clients have access to. Bradesco adds, from now on the products and services already offered to HSBC Brasil clients, a nationwide service network, a state-of-the-art technology platform, and an even more extensive portfolio of products and services. See below the summarized balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil) at the date of acquisition: R$ thousand Accounting Adjustments Fair Value (1) Cash and cash equivalents 8,476,708 - 8,476,708 Desposits with the central banks 14,895,767 - 14,895,767 Loans and advances 69,364,585 (1,650,016) 67,714,569 Financial assets held for trading 20,881,824 - 20,881,824 Financial assets available for sale 23,745,717 - 23,745,717 Investments held to maturity 13,450 22,411 35,861 Property and equipment, net of accumulated depreciation 1,175,554 622,246 1,797,800 Intangible assets 558,015 3,993,743 4,551,758 Other assets 25,808,692 848,699 26,657,391 Deposits from banks (7,808,801) - (7,808,801) Deposits from customers (56,766,587) - (56,766,587) Financial liabilities held for trading (3,790,048) - (3,790,048) Funds from securities issued (40,187,105) (64,701) (40,251,806) Subordinated debt (1,401,348) - (1,401,348) Provisions (3,429,291) - (3,429,291) Other liabilities (42,242,831) - (42,242,831) Sub-total 9,294,301 13,066,683 Goodwill - 4,221,787 4,221,787 Total amount of s hareholders' equity acquired 9,294,301 17,288,470 (1) Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition. The fair value of the consideration transferred was composed as follows: R$ thousand Payment to HSBC Latin America Holding Limited, net of adjustment after closure (1) 15,665,367 Adjustment to the cost acquisition related to the fair value of the firm commitment (2) 1,623,103 Fair value of the consideration transferred 17,288,470 (1) Includes the IOF collection, and withholding Income Tax; and (2) Includes the results from changes to the fair value of the firm commitment attributable to the hedged risk that was recognized in the statement in the financial position h ired with the objective of protecting the effects of exchange rate variation of the firm commitment, though the use of a hedging instrument derivative. In December 2016, Bradesco, based on a study report on purchase price allocation ("PPA"), prepared by a contracted specialized and independent company, made the allocation of the fair value of assets acquired and liabilities assumed by HSBC Brasil, as follows: R$ thousand Shareholders' equity acquired 9,294,301 Fair value of assets acquired and liabilities assumed (221,361) Intangible assets acquired 3,993,743 Goodwill in the acquisition of the "HSBC Bank" and "HSBC Serviços" investments 4,221,787 Fair value of the consideration transferred 17,288,470 These acquisitions were recorded on the business combination method and the companies were consolidated from the date that the majority control was acquired. The goodwill on acquisition, in the amount of R$ 4,221,787 thousand, recorded by Bradesco, is not amortized and is subject to annual impairment test. Goodwill is attributed to the expected future profitability of the respective businesses acquired and to the strengthening of Bradesco's strategy to strengthen its presence throughout the national territory, giving a greater degree of competition in a highly competitive market, so as to take advantage of the synergies generated by the products and base of HSBC Brasil customers, which are complementary.
Consolidation	2.2 Consolidation The consolidated financial statements include the financial statements of Bradesco and those of its direct and indirect subsidiaries, including exclusive mutual funds and special purpose entities. The main subsidiaries included in the consolidated financial statements are as follows: Activity Country Shareholding interest December 31 2017 2016 Banco Alvorada S.A. Banking Brazil 99.99% 99.99% Banco Bradesco Financiamentos S.A. Banking Brazil 100.00% 100.00% Banco Boavista Interatlântico S.A. (1) Banking Brazil - 100.00% Banco Bradesco Argentina S.A. Banking Argentina 99.99% 99.99% Banco Bradesco Europa S.A. Banking Luxembourg 100.00% 100.00% Banco Bradesco BERJ S.A. Banking Brazil 100.00% 100.00% Banco Bradescard S.A. Cards Brazil 100.00% 100.00% Banco Bradesco BBI S.A. (1) Investment bank Brazil 99.85% 99.81% Banco Bradesco Cartões S.A. Cards Brazil 100.00% 100.00% Bradesco Administradora de Consórcios Ltda. (2) Consortium Management Brazil 100.00% 100.00% Bradseg Participações S.A. Holding Brazil 100.00% 100.00% Bradesco Auto/RE Cia. de Seguros Insurance Brazil 100.00% 100.00% Bradesco Capitalização S.A. Capitalization bonds Brazil 100.00% 100.00% Odontoprev S.A. Dental care Brazil 50.01% 50.01% Bradesco Leasing S.A. Arrendamento Mercantil Leasing Brazil 100.00% 100.00% Ágora Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 100.00% 100.00% Bradesco S.A. Corretora de Títulos e Valores Mobiliários Brokerage Brazil 100.00% 100.00% Bradesco Saúde S.A. Insurance / Health Brazil 100.00% 100.00% Bradesco Seguros S.A. Insurance Brazil 100.00% 100.00% Bradesco Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Bradesplan Participações Ltda. Holding Brazil 100.00% 100.00% BRAM - Bradesco Asset Management S.A. DTVM Asset Management Brazil 100.00% 100.00% Tempo Serviços Ltda. Services Brazil 100.00% 100.00% União Participações Ltda. Holding Brazil 100.00% 100.00% Banco Losango S.A. Banking Brazil 100.00% 100.00% Kirton Administradora de Consórcios Ltda (2) Consortium management Brazil - 100.00% Kirton Bank Brasil S.A. Banking Brazil 100.00% 100.00% Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 99.97% 99.97% Kirton Capitalização S.A. (3) Capitalization bonds Brazil 100.00% 99.97% Kirton Seguros S.A. (4) (5) Insurance Brazil 98.54% 98.08% Kirton Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Kirton Participações e Investimentos Ltda (5) Holding Brazil - 100.00% (1) In November, 2017, Banco Boavista Interatlântico S.A. was merged into Banco Bradesco BBI S.A. with an increase in subscription for shares; (2) In May 2017, Kirton Administradora de Consórcios Ltda. was merged into Bradesco Administradora de Consórcios Ltda.; (3) Increase in interest, by means of acquisition of shares held by minority shareholders; (4) Increase in interest by means of subscription of shares in July 2017; and (5) Company merged into Kirton Seguros S.A., in July 2017. Subsidiaries Subsidiaries are all of the companies over which the Organization, has control. The Organization has control over an investee if it is exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee. The subsidiaries are fully consolidated from the date at which the Organization obtains control over its activities until the date this control ceases. For acquisitions meeting the definition of a business combination, the acquisition method of accounting is used. The cost of an acquisition is measured as the fair value of the consideration, including assets given, equity instruments issued and liabilities incurred or assumed at the date of exchange. Identifiable assets acquired and liabilities and contingent liabilities assumed in a business combination are measured initially at their fair values at the acquisition date, irrespective of the extent of any non-controlling interest. The excess of the consideration given over the fair value of the Organization's share of the identifiable net assets and non-controlling interest acquired is recorded as goodwill. Any goodwill arising from business combinations is tested for impairment at least once a year and whenever events or changes in circumstances may indicate the need for an impairment write-down. If the cost of acquisition is less than the fair value of the Organization's share of the net assets acquired, the difference is recognized directly in the consolidated statement of income. For acquisitions not meeting the definition of a business combination, the Organization allocates the cost between the individual identifiable assets and liabilities. The cost of acquired assets and liabilities is determined by (a) recognizing financial assets and liabilities at their fair value at the acquisition date; and (b) allocating the remaining balance of the cost of purchasing assets and assuming liabilities to individual assets and liabilities, other than financial instruments, based on their relative fair values of these instruments at the acquisition date. Associates Companies are classified as associates if the Organization has significant influence, but not control, over the operating and financial management policy decisions. Normally significant influence is presumed when the Organization holds in excess of 20%, but no more than 50%, of the voting rights. Even if less than 20% of the voting rights are held, the Organization could still have significant influence through its participation in the management of the investee or representations on its Board of Directors, providing it has executive power; i.e. voting power. Investments in associates are recorded in the Organization's consolidated financial statements using the equity method and are initially recognized at cost. The investments in associates include goodwill (net of any impairment losses) identified at the time of acquisition. Joint ventures The Organization has contractual agreements in which two or more parties undertake activities subject to joint control. Joint control is the contractual sharing of control over an activity and it exists only if strategic, financial and operating decisions are made on a unanimous basis by the parties. A joint venture is an arrangement in which the Group has joint control, whereby the Group has rights to the arrangement, rather than rights to its assets and obligations for its liabilities. Investments in joint ventures are recorded in the consolidated financial statements of the Organization using the equity method. Structured entities A structured entity is an entity that has been designed such that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when any voting rights relate to administrative tasks only and the relevant activities are directed by means of contractual arrangements. Structured entities normally have some or all of the following features or characteristics: • restricted activities; • a narrow and well-defined objective, such as, to effect a specific structure like a tax efficient lease, to perform research and development activities, or to provide a source of capital or funding to an entity or to provide investment opportunities for investors by passing risks and rewards associated with the assets of the structured entity to investors; • thin capitalisation, that is, the proportion of ‘real' equity is too small to support the structured entity's overall activities without subordinated financial support; and • financing in the form of multiple contractually linked instruments to investors that create concentrations of credit risk or other risks (tranches). Transactions with and interests of non-controlling shareholders The Organization applies a policy of treating transactions with non-controlling interests as transactions with equity owners of the Bank. For purchases of equity from non-controlling interests, the difference between any consideration paid and the share of the carrying value of net assets of the subsidiary acquired is recorded in equity. Gains or losses on sales to non-controlling shareholders are also recorded in equity. Profits or losses attributable to non-controlling interests are presented in the consolidated statements of income under this title. Balances and transactions eliminated in the consolidation Intra-group transactions and balances (except for foreign currency transaction gains and losses) are eliminated in the consolidation process, including any unrealized profits or losses resulting from operations between the companies except when unrealized losses indicate an impairment loss of the asset transferred which should be recognized in the consolidated financial statements. Consistent accounting policies as well as similar valuation methods for similar transactions, events and circumstances are used throughout the Organization for the purposes of consolidation.
Foreign currency translation	2.3 Foreign currency translation Functional and presentation currency Items included in the financial statements of each of the Organization's entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). The consolidated financial statements are presented in Brazilian Reais (R$), which is the Organization's presentation currency. The domestic and foreign subsidiaries use the Real as their functional currency, with the exception of the subsidiary in Mexico, which uses the Mexican Peso as its functional currency. Transactions and balances Foreign currency transactions, which are denominated or settled in a foreign currency, are translated into the functional currency using the exchange rates prevailing on the dates of the transactions. Monetary items denominated in foreign currency are translated at the closing exchange rate as at the reporting date. Non-monetary items measured at historical cost denominated in a foreign currency are translated at the exchange rate on the date of initial recognition; non-monetary items in a foreign currency that are measured at fair value are translated using the exchange rates on the date when the fair value was determined. Foreign exchange gains and losses resulting from the settlement of foreign currency transactions and from the translation at each period exchange rates of monetary assets and liabilities denominated in foreign currencies are recognized in the consolidated statement of income as “Net gains/(losses) of foreign currency transactions”. In the case of changes in the fair value of monetary assets denominated in foreign currency classified as available for sale, a distinction is made between translation differences resulting from changes in amortized cost of the security and other changes in the carrying amount of the security. Translation differences related to changes in the amortized cost are recognized in the consolidated statement of income, and other changes in the carrying amount, except impairment, are recognized in equity. Foreign operations The results and financial position of all foreign operations (none of which has the currency of a hyperinflationary economy) that have a functional currency different from the presentation currency are translated into the presentation currency as follows: · Assets and liabilities for each consolidated statement of financial position presented are translated at the closing rate at the reporting date; · Income and expenses for each consolidated statement of income are translated at average exchange rates (unless this average is not a reasonable approximation of the cumulative effect of the rate prevailing on the transaction dates, in which case income and expenses are translated at the rates in effect on the dates of the transactions); and · All resulting exchange differences are recognized in other comprehensive income. Exchange differences arising from the above process are reported in equity as “Foreign currency translation adjustment”. On consolidation, exchange differences arising from the translation of the net investment in foreign entities are taken to ‘Other comprehensive income'. If the operation is a non-wholly owned subsidiary, then the relevant proportion of the transaction difference is allocated to the non-controlling interest. When a foreign operation is partially sold or disposed, such exchange differences, which were recognized in equity, are recognized in the consolidated statement of income as part of the gain or loss on sale.
Cash and cash equivalents	2.4 Cash and cash equivalents Cash and cash equivalents include: cash, bank deposits, unrestricted balances held with the Central Bank of Brazil and other highly liquid short-term investments, with original maturities of three months or less and which are subject to insignificant risk of changes in fair value, used by the Organization to manage its short-term commitments. See Note 19(b) - “Cash and cash equivalents”.
Sale and repurchase agreements	2.5 Sale and repurchase agreements Securities sold subject to repurchase agreements are presented in the consolidated financial statements in “Financial assets pledged as collateral”. The counterparty liability is included in “Deposits from Banks”. Securities purchased under agreements to resell are recorded in “Loans and advances to banks” or “Loans and advances to customers”, as appropriate. The difference between sale and repurchase price is treated as interest in the consolidated statement of income and recognized over the life of the agreements using the effective interest rate method.
Financial assets and liabilities	2.6 Financial assets and liabilities Financial assets The Organization classifies financial assets in the following four categories: measured at fair value through profit or loss; available for sale; held to maturity and loans and receivables. The classification depends on the purpose for which the financial assets were acquired. Management determines the classification of financial assets upon initial recognition. • Measured at fair value through profit or loss Financial assets are initially recorded at fair value with subsequent changes to the fair value recognized immediately in profit or loss. These assets can be subdivided into two distinct classifications at the time of initial recognition: financial assets designated at fair value through profit or loss and financial assets held for trading. - Financial assets designated at fair value through profit or loss The Organization does not have any financial assets designated at fair value through profit or loss. - Financial assets held for trading (non-derivatives) A financial asset is classified as held for trading if it is acquired by Management for the purpose of selling it in the short term or if it is part of a portfolio of identified financial instruments that are managed together for short-term profit or position taking. Derivative financial instruments are also categorized as held for trading. Financial assets held for trading are initially recognized in the consolidated statement of financial position at fair value and the transaction costs are recorded directly in the consolidated statement of income. Realized and unrealized gains and losses arising from changes in fair value of non derivative assets are recognized directly in the consolidated statement of income under “Net gains and losses from financial instruments held for trading.” Interest income on financial assets held for trading are included in “Net interest income”. For the treatment of derivative assets see Note 2(f)(iii). · Financial assets available for sale Financial assets available-for-sale are non-derivative financial assets that are intended to be held for an undefined period of time, which may be sold in response to needs for liquidity or changes in interest rates, exchange rates, equity prices or that are not classified as loans and receivables, held-to-maturity investments or financial assets at fair value through profit or loss. Financial assets available-for-sale are initially recognized at fair value, which is the cash consideration including any transaction costs and, subsequently, are measured at fair value with gains and losses being recognized in the consolidated statement of other comprehensive income, except for impairment losses and foreign exchange gains and losses on debt securities, until the financial asset is derecognized. If a financial asset available-for-sale is determined to be impaired, the cumulative gain or loss previously recognized in other comprehensive income is recognized in the consolidated statement of income. Interest is recognized in the consolidated statement of income using the effective interest method. Dividends on available-for-sale equity instruments are recognized in the consolidated statement of income in ‘Dividend income' when the Organization's right to receive payment is established. Exchange gains and losses on investments in debt securities classified as available for sale are recognized in the consolidated statement of income. See Note 2(f)(viii) for more details of the treatment of impairment losses. · Investments held to maturity Investments held to maturity are non-derivative financial assets with fixed or determinable payments and fixed term maturities, which the Organization has the positive intention and ability to hold to maturity, and are not designated as at fair value through profit or loss or available for sale and do not meet the definition of loans and receivables. Investments held to maturity are recognized initially at fair value including direct and incremental costs, and are subsequently recorded at amortized cost, using the effective interest rate method. Interest on investments held-to-maturity is included in the consolidated statement of income and reported as ‘Interest and similar income'. In the case of impairment, the impairment loss is reported as a deduction from the carrying value of the investment and is recognized in the consolidated statement of income. · Loans and receivables Loans and receivables are non-derivative financial assets having fixed or determinable payments that are not quoted in an active market, that have not been designated as “available for sale” or “at fair value through profit or loss” and that the Organization has no intention of selling, either immediately or in the near term. Loans and receivables are initially measured at their fair value plus direct transaction costs and are subsequently valued at amortized cost using the effective interest rate method. Loans and receivables are reported in the consolidated statement of financial position as loans and advances to banks or customers. Interest on loans is included in the consolidated statement of income and is reported as “Interest and similar income”. In the case of impairment, the impairment loss is reported as a deduction in carrying amount of loans and advances, and is recognized in the consolidated statement of income as “Impairment of loans and advances”. Financial liabilities The Organization classifies its financial liabilities under the following categories: measured at fair value through profit and loss and amortized cost. · Measured at fair value through profit and loss These financial liabilities are recorded and measured at fair value and the respective changes in fair value are immediately recognized in the income statement. These liabilities can be subdivided into two different classifications upon initial recognition: financial liabilities designated at fair value through profit and loss and financial liabilities held for trading. - Financial liabilities designated at fair value through profit and loss The Organization does not have any financial liability classified at fair value through profit and loss in income. - Financial liabilities held for trading Financial liabilities held for trading recognized by the Organization are derivative financial instruments. For the treatment of derivatives see Note 2(f)(iii). · Financial liabilities at amortized cost These are financial liabilities that are not classified as at fair value through profit or loss. Initially they are recognized at fair value and, subsequently, are measured at amortized cost. They include deposits from banks and customers, securities issued and subordinated debt securities, among others. Derivative financial instruments and hedge transactions Derivatives are initially recognized at fair value on the date the derivative contract is signed and are, subsequently, re-measured at their fair values with the changes recognized in the income statement under “Net gains and losses from financial instruments for trading.” Fair values are obtained from quoted market prices in active markets (for example, for exchange-traded options), including recent market transactions, and valuation techniques (for example for swaps and foreign currency transactions), such as discounted cash-flow models and options-pricing models, as appropriate. The calculation of fair value, the counterparty's and the entity's own credit risk are considered. Certain derivatives embedded in other financial instruments are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not recorded at fair value through profit or loss. These embedded derivatives are separately accounted for at fair value, with changes in fair value recognized in the consolidated statement of income. Recognition Initially, the Organization recognizes loans and advances, deposits, securities issued and subordinated debts and other financial assets and liabilities on the trade date, in accordance with the contractual provisions of the instrument. Derecognition Financial assets are derecognized when the contractual rights to receive the cash flows from these assets have ceased to exist or the assets have been transferred and substantially all the risks and rewards of ownership of the assets are also transferred. Financial liabilities are derecognized when they have been discharged, paid, redeemed, cancelled or expired. If a renegotiation or modification of terms of an existing financial asset is such that the cash flows of the modified asset are substantially different from those of the original unmodified asset, then the original financial asset is derecognised and the modified financial asset is recognised as a new financial asset and initially measured at fair value. Offsetting financial instruments Financial assets and liabilities are offset and the net amount reported in the consolidated statement of financial position when, the Organization has the intention and the legal enforceable right to offset the recognized amounts on a net basis or realize the asset and settle the liability simultaneously. Determination of fair value The determination of the fair values for the majority of financial assets and liabilities is based on the market price or quotes of security dealers for financial instruments traded in an active market. The fair value for other instruments is determined using valuation techniques. The valuation techniques which include use of recent market transactions, discounted cash flow method, comparison with other instruments similar to those for which there are observable market prices and valuation models. For more common other instruments the Organization uses widely accepted valuation models that consider observable market data in order to determine the fair value of financial instruments. For more complex instruments, the Organization uses own models that are usually developed from standard valuation models. Some of the information included in the models may not be observable in the market and is derived from market prices or rates or may be estimated on the basis of assumptions. The value produced by a model or by a valuation technique is adjusted to reflect various factors, since the valuation techniques do not necessarily reflect all of the factors that market participants take into account during a transaction. The valuations are adjusted to consider the risks of the models, differences between the buy and sell price, credit and liquidity risks, as well as other factors. Management believes that such valuation adjustments are necessary and appropriate for the correct evaluation of the fair value of the financial instruments recorded in the consolidated statement of financial position. Impairment of financial assets (a) Financial assets recognized at amortized cost On each reporting date, the Organization assesses whether there is objective evidence that financial assets are impaired. The impairment losses are recognized only if there is objective evidence of impairment as a result of one or more events that occurred after the initial recognition of the asset (a ‘loss event') and that loss event (or events) has an impact on the estimated future cash flows of the financial asset or group of financial assets that can be reliably estimated. The criteria that the Organization uses to determine that there is objective evidence of an impairment include: · significant financial difficulty of the issuer or obligor; · a breach of contract, such as a default or delinquency in interest or principal payments; · the granting to the borrower of a concession that the lender would not otherwise consider for economic or legal reasons relating to the borrower's financial difficulty; · when it becomes probable that the borrower will enter bankruptcy or other financial reorganization; · the disappearance of an active market for that financial asset because of financial difficulties; or · observable data indicating that there is a measurable decrease in the estimated future cash flows from a portfolio of financial assets since the initial recognition of those assets, although the loss event cannot yet be identified at the level of the individual financial assets in the portfolio, including: (i) adverse changes in the payment status of group assessed borrowers; and (ii) national or local economic conditions that correlate with defaults in the assets. The Organization takes into consideration evidence of impairment loss for both individually significant assets and groups of assets. All significant financial assets are evaluated to detect specific losses. All significant assets for which the assessment indicates that there is no specific impairment are assessed as a group to detect any impairment loss that may have occurred, although not yet identified. The financial assets which are not individually significant are assessed as a group to detect any collective impairment loss (recorded at the amortized cost) based on similar risk features. Assets that are individually assessed for impairment and for which an impairment loss is recognized are not included in a collective assessment of impairment. The amount of loss is measured as the difference between the asset's carrying amount and the present value of estimated future cash flows (excluding future credit losses that have not been incurred) discounted at the financial asset's original effective interest rate. The carrying amount of the asset is reduced through provisions and the amount of the loss is recognized in the consolidated statement of income. The calculation of the present value of the estimated future cash flows of a collateralized financial asset reflects the cash flows that may result from foreclosure less costs for obtaining and selling the collateral. For the purposes of a collective evaluation of impairment, financial assets are grouped on the basis of similar credit-risk characteristics (that is, on the basis of the Organization's rating process that considers product type, market segment, geographical location, collateral type, past-due status and other related factors). Those characteristics are relevant to the estimation of future cash flows for groups of such assets by being indicative of the debtors' ability to pay all amounts due according to the contractual terms of the assets being evaluated. Future cash flows in a group of financial assets that are collectively evaluated for impairment are estimated on the basis of the contractual cash flows of the assets in the group and historical loss experience for assets with credit-risk characteristics similar to those in the group. Historical loss experience is adjusted on the basis of current observable data to reflect the effects of current conditions that did not affect the period on which the historical loss experience is based and to remove the effects of conditions in the historical period that do not currently exist. The methodology and assumptions used for estimating future cash flows are reviewed regularly to mitigate any differences between loss estimates and actual loss experience. Following impairment losses, interest income is recognized using the effective rate of interest which was used to discount the future cash flows for the purpose of measuring the impairment loss. When a loan is uncollectible, it is written off against the related allowance for loan impairment. Such loans are written off after all the relevant collection procedures have been completed and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off are credited to the consolidated statement of income. (b) Financial assets classified as available for sale The Organization assesses, at each reporting date, whether there is objective evidence that a financial asset or group of financial assets is impaired. For debt securities the Organization adopts the assessment described in item (a) above, in order to identify an impairment event. In the case of equity investments classified as available for sale, a significant or prolonged decline in the fair value of the security below its cost is considered objective evidence of impairment resulting in the recognition of an impairment loss. If any such evidence exists for available-for- sale financial assets, the cumulative loss - measured as the difference between the acquisition cost and the current fair value, less any impairment loss on that financial asset previously recognized in profit or loss - is removed from equity and recognized in the income statement. If, in a subsequent period, the fair value increases, for debt instrument classified as available for sale, and the increase can be objectively related to an event occurring after the impairment loss was recognized in profit or loss, the impairment loss is reversed through the consolidated statement of income. Impairment losses recognized in the consolidated statement of income on equity instruments are not reversed through the consolidated statement of income. Increases in the fair value of equity instruments after impairment are recognized in other comprehensive income.
Non-current assets held for sale	2.7 Non-current assets held for sale Under certain circumstances, property is repossessed following foreclosure of loans that are in default. Repossessed properties are measured at the lower of their carrying amount and fair value less the costs to sell and are included within “Non-current assets held for sale.”
Property and equipment	2.8 Property and equipment Recognition and valuation Property and equipment are measured at cost less accumulated depreciation and accumulated impairment losses (see Note 2(k) below), if any. The cost includes expenses directly attributable to the acquisition of an asset. The cost of assets internally produced includes the cost of materials and direct labor, as well as any other costs that can be directly allocated and that are necessary for them to function. Software acquired for the operation of the related equipment is recorded as part of the equipment. When different parts of an item have different useful lives, and separate control is practical, they are recorded as separate items (main components) comprising the property and equipment. Useful lives and residual values are reassessed at each reporting date and adjusted, if appropriate. Gains and losses from the sale of property and equipment are determined by comparing proceeds received with the carrying amount of the asset and are recorded in the consolidated income statement under the heading “Other operating income/(expenses).” Subsequent costs Expenditure on maintenance and repairs of property and equipment items is recognized as an asset when it is probable that future economic benefits associated with the items will flow to the Organization for more than one year and the cost can be measured reliably. The carrying amount of the replaced part is derecognized. All other repairs and maintenance costs are charged to the consolidated statement of income during the reporting period in which they are incurred. Depreciation Depreciation is recognized in the consolidated statement of income using the straight-line basis and taking into consideration the estimated useful economic life of the assets. The depreciable amount is the gross-carrying amount, less the estimated residual value at the end of the useful economic life. Land is not depreciated. Useful lives and residual values are reassessed at each reporting date and adjusted, if appropriate.
Intangible assets	2.9 Intangible assets Intangible assets comprise separately identifiable non-monetary items, without physical substance due to business combinations, such as goodwill and other purchase intangible assets, computer software and other such intangible assets. Intangible assets are recognized at cost. The cost of an intangible asset, acquired in a business combination, is its fair value at the date of acquisition. Intangible assets with a definite useful life are amortized over their estimated useful economic life. Intangible assets with an indefinite useful life are not amortized. Generally, the identified intangible assets of the Organization have a definite useful life. At each reporting date, intangible assets are reviewed for indications of impairment or changes in estimated future economic benefits - see Note 2(k) below. Goodwill Goodwill (or bargain purchase gain) arises on the acquisition of subsidiaries, associates and joint ventures. Goodwill reflects the excess of the cost of acquisition in relation to the Organization's share of the fair value of net identifiable assets or liabilities of an acquired subsidiary, associate or joint venture on the date of acquisition. Goodwill originated from the acquisition of subsidiaries is recognized as “Intangible Assets”, and the goodwill from acquisition of associates and joint ventures is included in the carrying amount of the investment, (see Note 2(b)(ii)). When the difference between the cost of acquisition and the Organization's share of the fair value of net identifiable assets or liabilities is negative (bargain purchase gain), it is immediately recognized in the consolidated statement of income as a gain on the acquisition date. Goodwill is tested annually, as well as whenever a trigger event has been observed, for impairment (see Note 2(k) below). Gains and losses realized in the sale of an entity include consideration of the carrying amount of goodwill relating to the entity sold. Software Software acquired by the Organization is recorded at cost, less accumulated amortization and accumulated impairment losses, if any. Internal software-development expenses are recognized as assets when the Organization can demonstrate its intention and ability to complete the development, and use the software in order to generate future economic benefits. The capitalized costs of internally developed software include all costs directly attributable to development and are amortized over their useful lives. Internally developed software is recorded at its capitalized cost less amortization and impairment losses (see Note 2(k) below). Subsequent software expenses are capitalized only when they increase the future economic benefits incorporated in the specific asset to which it relates. All other expenses are recorded as expenses as incurred. Amortization is recognized in the consolidated statement of income using the straight-line method over the estimated useful life of the software, beginning on the date that it becomes available for use. The estimated useful life of software is from two to five years. Useful lives and residual values are reviewed at each reporting date and adjusted, if necessary. Other intangible assets Other intangible assets refer basically to the customer portfolio and acquisition of banking service rights. They are recorded at cost less amortization and impairment losses, if any, and are amortized for the period in which the asset is expected to contribute, directly or indirectly, to the future cash flows. These intangible assets are reviewed annually, or whenever events or changes in circumstances occur which could indicate that the carrying amount of the assets cannot be recovered. If necessary, the write-off or impairment (see Note 2(k) below) is immediately recognized in the consolidated statement of income.
Leasing	2.10 Leasing The Organization has both operating and finance leases and operates as a lessee and a lessor. Leases in which a significant part of the risks and benefits of the asset is borne by the lessor are classified as operating leases. For leases in which a significant part of the risks and benefits of the asset is borne by the lessee, the leases are classified as financial lease. Leases under the terms of which the Organization assumes substantially all the risks and rewards of ownership are classified as finance leases. Upon initial recognition, the leased asset is measured at an amount equal to the lower of its fair value and the present value of the minimum lease payments. Subsequent to initial recognition, the asset is accounted for in accordance with the accounting policy applicable to that asset. As a lessee, the Organization classifies its leasing operations mainly as operating leases, and the monthly payments are recognized in the financial statements using the straight-line method over the term of the lease. Lease incentives received are recognized as an integral part of the total lease expense, over the term of the lease. When an operating lease is terminated before the contract expires, any payment that may be made to the lessor in the form of a penalty is recognized as an expense for the period. Minimum lease payments made under finance leases are apportioned between the finance expense and the reduction of the outstanding liability. The finance expense is allocated to each period during the lease term so as to produce a constant periodic rate of interest on the remaining balance of the liability. Contingent lease payments are accounted for by revising the minimum lease payments over the remaining term of the lease when the lease adjustment is confirmed. As a lessor, the Organization has substantial finance lease contracts, both in value and total number of contracts. Finance Leases Finance lease assets in the consolidated statement of financial position are initially recognized in the “loans and advances” account at an amount equal to the net investment in the lease. The initial direct costs generally incurred by the Organization are included in the initial measurement of the lease receivable and recognized as part of the effective interest rate of the contract, decreasing the amount of income recognized over the lease term. These initial costs include amounts for commissions, legal fees and internal costs. The costs incurred in relation to the negotiation, structuring and sales of leases are excluded from the definition of initial direct costs and therefore are recognized as expenses at the beginning of the lease term. Recognition of financial revenue reflects a constant rate of return on the net investment made by the Organization. The estimated non-guaranteed residual values used in the calculation of the gross investment of the lessor in the lease are reviewed at least annually. If there is a decrease in the estimated non-guaranteed residual value, the income allocated over the period of the lease is also reviewed periodically and any decrease in relation to the accumulated values is immediately recognized in the consolidated statement of income. Operating leases The assets leased under operating leases, where the Organization acts as lessor, are recognized in the consolidated statement of financial position as property and equipment according to the nature of the item leased. The initial direct costs incurred by the Organization are added to the carrying amount of the leased asset and are recognized as expenses over the period of the lease and on the same basis as the income recognition. Revenue from lease is recognized using the straight-line method over the term of the lease, even if the payments are not made on the same basis. Costs, including depreciation and maintenance, incurred in the generation of income are recognized as expenses. The depreciation policy for leased assets is the same as the depreciation policy used by the Organization for similar assets.
Impairment losses on non-financial assets (except for deferred tax assets)	2.11 Impairment losses on non-financial assets (except for deferred tax assets) Assets that have an indefinite useful life such as goodwill are not subject to amortization and are tested, at least, annually at the same date to verify the existence of impairment. Assets, which are subject to amortization or depreciation, are reviewed to verify impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. An impairment loss is recognized based on the excess the carrying amount of the asset or the cash generating unit (CGU) over its estimated recoverable amount. The recoverable amount of an asset or CGU is the greater of its fair value, less costs to sell, and its value in use. For the purpose of impairment testing, the assets that cannot be tested individually are grouped together into the smallest group of assets that generates cash inflows from continuing use that are largely independent of the cash inflows of other assets or CGUs. Subject to a ceiling of the operating segments, for the purpose of goodwill impairment testing, CGUs to which goodwill has been allocated are aggregated so that the level at which impairment testing is performed reflects the lowest level at which goodwill is monitored for internal reporting purposes. Goodwill acquired in a business combination is allocated to groups of CGU's that are expected to benefit from the synergies of the combination. The recoverable amount is the higher of an asset/CGU's fair value less costs to sell and its value in use. When assessing the value in use, the estimated future cash flows are discounted to their present value using a discount rate that reflects the current market conditions of the time value of money and the specific risks of the asset or CGU. The Organization's corporate assets do not generate separate cash inflows and are utilized by more than one CGU. Corporate assets are allocated to CGU's on a reasonable and consistent basis and tested for impairment as part of the testing of the CGU to which the corporate asset is allocated. Impairment losses are recognized in the consolidated Statement of Income. Impairment losses recognized in respect of CGU's are allocated first to reduce the carrying amount of any goodwill allocated to the CGU (group of CGU's) and then to reduce the carrying amount of the other assets in the CGU (group of CGU's) on a pro rata basis. An impairment of goodwill cannot be reversed. With regard to other assets, an impairment loss recognized in previous periods is reassessed at each reporting date for any indications that the impairment has decreased or no longer exists. An impairment loss will be reversed if there has been a change in the estimates used to determine the recoverable amount or to the extent that the carrying amount of the asset does not exceed the carrying amount that would have been determined, net of depreciation and amortization, if no impairment had been recognized.
Deposits, debt securities issued and subordinated liabilities	2.12 Deposits, debt securities issued and subordinated liabilities Deposits, debt securities issued and subordinated liabilities are the main sources of funding used by the Organization to finance its operations. They are initially recorded at fair value plus transaction costs and are subsequently measured at amortized cost using the effective interest method.
Provisions, contingent liabilities and contingent assets	2.13 Provisions, contingent liabilities and contingent assets A provision is recognized when, as a result of a past event, the Organization has a present legal or constructive obligation that can be reliably estimated and it is probable that an outflow of resources will be required to settle the obligation. Provisions are determined by discounting the expected future cash flows at a pre-tax rate that reflects current market assessments of the time value of money and the risks specific to the liability. Provisions were established by Management whenever it considers that there is a probable loss taking into account the opinion of their legal advisors; the nature of the actions; the similarity to previous suits; the complexity and the positioning of the Courts. Contingent Liabilities are not recognized, since their existence will only be confirmed by the occurrence or not of one or more future and uncertain events that are not totally under the control of the Management. Contingent liabilities do not meet the criteria for recognition, since they are considered as possible losses and should only be disclosed in explanatory notes, when relevant. Obligations classified as remote are neither provisioned nor disclosed. Contingent assets are recorded only when there are real guarantees or favorable and non-appealable court decisions, and when the gain is considered to be virtually certain. Contingent assets for which the expectation is the outcome will be favorable are only disclosed in the financial statements, when material.
Classification of insurance contracts and investments	2.14 Classification of insurance contracts and investments An insurance contract is a contract in which the Organization accepts a significant insurance risk from the policy holder by agreeing to compensate the policyholder if a specific, uncertain, future event adversely affects the policy holder. Reinsurance contracts are also treated as insurance contracts because they transfer significant insurance risk. Contracts in the Insurance segment classified as investment contracts are related to our capitalization bonds, which do not transfer significant insurance risk and are accounted for as financial instruments in accordance with IAS 39 - Financial Instruments.
Insurance and pension plan technical provisions	2.15 Insurance and pension plan technical provisions Property damage The Provision for Unearned Premiums (PPNG) is calculated on a daily pro-rata basis using premiums net of coinsurance premiums, including amounts ceded through reinsurance operations, and the value registered in the consolidated statement of financial position corresponds to the unexpired risk period of the insurance contracts less initial contracting costs. The portion of these reserves corresponding to the estimate for risks in effect on contracts that have been issued but are not yet fully binding is designated ‘PPNG-RVNE' . The Provision for Incurred But Not Reported (IBNR) is constituted based on the claims incurred and not yet paid (IBNP), subtracting the balance of the Provision for Claims to be settled (PSL) at the base date of calculation. To calculate the IBNP, the final estimate of claims that have not yet been paid based on semiannual run-off triangles, which consider the historical development of the claims paid in the last 10 semesters for the branches of damages and the last 11 quarters for the extended guarantee business, in order to establish a future projection by period of occurrence of occurrence and also considers the estimate of claims Incurred But Not Enough Reported (IBNER), reflecting the expectation of alteration of the provisioned amount throughout the regulation process. Until the base date of December 2016, only IBNR was constituted, without IBNER segregation. This change in methodology was made in January 2017 in the automobile portfolio in order to allow better allocation of capital among the loss provisions, and had no impact on the results of the Organization. The reserve for unsettled claims (PSL) is determined based on the indemnity payment estimates, considering all administrative and judicial claims existing at the reporting date, restated monetarily, net of salvage and payments expected to be received. The reserve for related expenses (PDR) is recorded on a monthly basis to cover expenses related to estimated claims and benefits. It covers both costs that can be individually allocated to each claim as well as claims costs not discriminated, meaning those incurred at the portfolio level. The Complementary Reserve for Coverage (PCC) shall be established when there is insufficiency of the technical provisions required under the legislation, as determined in the Liability Adequacy Test (see Note 2(o)(vi) below). At the reporting date management did not identify the need for PCC on property damage contracts. Other technical provisions (OPT) correspond to the Provision for Administrative Expenses (PDA) arising on the Mandatory Insurance For Personal Injury Caused by Motor Vehicles (DPVAT) insurance operations. Life insurance, excluding life insurance with survival coverage (VGBL product) The Provision for Unearned Premiums (PPNG) is calculated on a daily pro-rata basis using premiums net of coinsurance premiums, but including amounts ceded through reinsurance operations, and the value registered in the consolidated statement of financial position corresponds to the unexpired risk period of the insurance contracts and includes an estimate for risks in effect on contracts that have been issued but are not yet fully binding is designated ‘PPNG-RVNE'. The Mathematical Provision for Benefits to be Granted (PMBaC) is calculated by the difference between the present value of the future benefits and the present value of the future contributions to be received for these benefits. The Provision for Redemptions and other Amounts to be Settled (PVR) comprises amounts related to redemptions to settle, premium refunds owed and portability (transfer-outs) requested but not yet transferred to the recipient insurer . The reserve for IBNR is calculated based on semiannual run-off triangles, which consider the historical development of claims paid and outstanding in the last 10 semesters, to establish a future projection per period of occurrence. A residual cause study is carried out to forecast the claims reported after 10 semesters of the date of occurrence. The change in the calculation methodology of IBNP, which considered 16 semesters of claims development, to reflect a higher level of precison in the estimate within the current portfolio of the Organization . The change generated a reduction of approximately R$ 180 million in the provision of IBNR, net of reinsurance. The reserve for unsettled claims (PSL) considers all claim notifications received up to the end of the reporting period. The reserve is adjusted for inflation and includes all claims in litigation . The Complementary Reserve for Coverage (PCC) refers to the amount necessary to complement technical reserves, as calculated through the Liability Adequacy Test. LAT is calculated using statistical and actuarial methods based on realistic considerations, taking into account the biometric table BR-EMS of both genders, adjusted by longevity development criteria compatible with the latest published versions and improvement using a risk free forward interest rate structures which was approved by SUSEP to discount the future cash flows. The improvement rate is calculated from automatic updates of the biometric table, considering the expected increase in future life expectancy. The Technical Surplus Provision (PET) corresponds to the difference between the value of the expected cost and the actual cost of claims that occurred during the period for contracts of individual life insurance with rights to participate in technical surplus. The Provision of Related Expenses (PDR) is recorded to cover expenses related to estimated claims and benefits. For products structured in self-funding and partially regimes, the reserve covers claims incurred. For products structured under a capitalization regime, the reserve covers the expected expenses related to incurred claims and also claims expected to be incurred in the future. Health and Dental Insurance The reserve for claims incurred but not reported (IBNR) is calculated from the final estimate of claims already incurred and still not reported, based on monthly run-off triangles that consider the historical development of claims reported in the last 12 months for health insurance and 18 months for dental insurance, to establish a future projection per period of occurrence The provision for unsettled claims (PSL) is based on claims received up to the reporting date, including judicial claims and related costs adjusted for inflation. The mathematical reserve for unvested benefits (PMBAC) relates to the individual health care plan portfolio and accounts for the risk related to the cover of the holder's dependents for five years following the death of the holder. It is calculated using: a 4.5% annual discount rate (5.1% in 2016) ; the period over which holders are expected to remain in the plan up to their death; and the projected costs of the five-year-period cover in which no premiums will be received. The mathematical reserve of benefits granted (PMBC) is constituted by the obligations arising from the contractual clauses of remission of installments in cash, regarding the coverage of health assistance and by the premiums through payment of insured persons participating in the Bradesco Saúde insurance - "GBS Plan", and considering a discount rate of 4.5% per annum (5.1% in 2016) . The unearned premium or contribution reserve (PPCNG) is calculated on the currently effective contracts on a daily pro-rata basis based on the portion of health insurance premiums corresponding to the remaining period of coverage. The other provisions for the individual health portfolio are constituted to cover differences between the expected present value of claims and related future costs and the expected present value of future premiums, considering a discount rate of 4.5% per year (5.1% in 2016) . Operations with DPVAT Insurance Revenues from DPVAT premiums and the related technical reserves are recorded gross, based on reports received from Seguradora Lider S.A. which acts as the “lead insurer” of the Consortium of Insurance DPVAT S.A. in proportion to the percentage of Bradesco's stake in the consortium. It is the function of the lead insurer to collect the premiums, coordinate policy issuance, settle claims and manage the administrative costs within the consortium, in accordance with the CNSP Normative Resolution nº 332/15. As defined in the regulations of the consortium, 50% of the monthly net income is distributed to the consortium's members in the following month. The remaining 50% of the monthly income is retained by the lead insurer over the year and transferred to the members of the consortium at the start of the following year. Open pension plans and life insurance with survival coverage (VGBL product) The unearned premium reserve (PPNG) is calculated on a daily pro-rata basis, using net premiums and is comprised of the portion corresponding to the remaining period of coverage and includes an estimate for risks covered but not yet issued (RVNE). The mathematical reserve for unvested benefits (PMBaC) is constituted to the participants who have not yet received any benefit. In defined benefit pension plans, the reserve represents the difference between the present value of future benefits and the present value of future contributions, corresponding to obligations assumed in the form of retirement, disability, pension and annuity plans. The reserve is calculated using methodologies and assumptions set forth in the actuarial technical notes. The mathematical reserve for unvested benefits (PMBaC) related to life insurance with survival coverage and unrestricted benefit pension plans (VGBL and PGBL), and defined contribution plans, includes the contributions, received from participants, net of costs and other contractual charges, plus the financial return generated through the investment of these amounts in units of specially constituted investment funds (FIE). The Provision for Redemptions and other Amounts to be Settled (PVR) comprises amounts related to redemptions to settle, premium refunds owed and portability (transfer-outs) requested but not yet transferred to the recipient insurer. The mathematical reserve for vested benefits (PMBC) is recognized for participants already receiving benefits and corresponds to the present value of future obligations related to the payment of those on-going benefits . The Complementary Reserve for Coverage (PCC) refers to the amount necessary to complement technical reserves, as calculated through the Liability Adequacy Test (see Note 2(n)(vi)). LAT is prepared using statistical and actuarial methods based on realistic assumptions, taking into account the biometric table BR-EMS of both genders, adjusted by longevity development criteria compatible with the latest versions disclosed improvement and forward interest rate curves (ETTJ) free from risk as authorized by SUSEP. The improvement rate is calculated from automatic updates of the biometric table, considering the expected increase in future life expectancy. The Provision of Related Expenses (PDR) is recorded to cover expenses related to estimated claims and benefits. For products structured in self-funding and partially regimes, the reserve covers claims incurred. For plans structured under a capitalization regime, the reserve is made to cover the expected expenses related to incurred claims and also claims expected to be incurred in the future. The projections are performed through the passive adequacy test (LAT). The Financial Surplus Provision (PEF) corresponds to the financial result, which exceeds the guaranteed minimum profitability of contracts with a financial surplus participation clause. The Provision for IBNR is calculated based on semiannual run-off triangles, which consider the historical development of claims paid and outstanding in the last 10 semesters (16 semesters in 2016) to establish a future projection by period of occurrence. The reserve for unsettled claims (PSL) considers all claim notifications received up to the end of the reporting period. The reserve is adjusted for inflation. Liability Adequacy Test (LAT) The Organization conducted the liability adequacy test for all the contracts that meet the definition of an insurance contract according to IFRS 4 and which are in force on the date of execution of the test. This test is conducted every six months and the liability of insurance contracts, gross of reinsurance, is calculated as the sum of the carrying amount, deducting the deferred acquisition costs and the related intangibles. This is compared to the expected cash flows arising from the obligations under commercialized contracts and certificates. The test considerers projections of claims and benefits that have occurred and are to occur, administrative expenses, allocable expenses related to the claims, intrinsic options and financial surpluses, salvage and recoveries and other income and expense directly related to the insurance contracts. To calculate the present value of projected cash flows, the Organization used the risk free forward (ETTJ) rate which was approved by SUSEP. According to SUSEP Circular n o 517/2015 and subsequent changes, the test was segmented between life insurance and pension products and property coverage, and liabilities related to DPVAT insurance were not included in the adequacy test. • Life and pension products For private pension products and Life Insurance with Coverage for Survival, the contracts are grouped based on similar risks or when the insurance risk is managed jointly by the Administration. The cash flows related to future premiums not recorded in the PPNG were only included in the projections when the result of the LAT without these values was negative. The projected average loss ratio was 42% for individual and collective individuals, obtained from analysis based on triangles for the development of Company claims generated with information from January 2007. The calculation of LAT made for the base date December 2017, considered the update of the assumption of Rate of Conversion into Income (TCR) of PGBL and VGBL pension plans. The result of the liability adequacy test for life insurance was fully recognized in the income statement, as set out in SUSEP Circular No. 517/15 (note 35a). • Property Coverage The expected present value of cash flows relating to claims incurred - primarily claims costs and salvage recoveries - was compared to the technical provisions for claims incurred - PSL and IBNR. The expected present value of cash flows relating to claims to be incurred on the policies in force, plus any administrative expenses and other expenses relating to products in run-off, was compared to the sum of the related technical provisions - PPNG and PPNG-RVNE. The projected average loss ratio was 15.19% for the Extended Guarantee segment and 50.21% for the elementary lines, which were strongly influenced by the estimate of the future premium of the housing insurance portfolio, which is characterized by low loss ratio and long terms , since it accompanies the period of financing of the property. The average reinsurance projected in the study, calculated on the basis of reported claims was 2.05%. The result of the liability adequacy test, for property coverage, did not present insufficiency and, consequently, no additional PCC provisions were recorded.
Reinsurance contracts	2.16 Reinsurance contracts Reinsurance contracts are used in the normal course of operations with the purpose of limiting potential losses, by spreading risks. Liabilities relating to contracts that have been reinsured are presented gross of their respective recoveries, which are booked as assets since the existence of the reinsurance contract does not nullify the Organization's obligations with the insured parties. As required by the regulators, reinsurance companies with headquarters abroad must have a minimum rating from a risk classification agency to reinsure risks all other reinsurance operations must be with national missing If there are indications that the amounts recorded will not be realized by its carrying amount, these assets will be adjusted for impairment.
Deferred acquisition costs	2.17 Deferred acquisition costs These comprise deferred acquisition costs including commissions and brokers' fees related to the sale of insurance policies. Deferred commissions are recognized in the consolidated statement of income over the life of the respective policies and pension plan contracts or over an average period of twelve months. Expenses relating to insurance agency operations relating to the sale of health plans are amortized over a twenty-four month period and life assurance expenses are appropriated in the twelve-month period.
Financial guarantees	2.18 Financial guarantees Financial guarantees are contracts that require the Organization to make specific payments under the guarantee for a loss incurred when a specific debtor fails to make a payment when due in accordance with the terms of the debt instrument. Financial guarantees are initially recognized in the financial statements at fair value on the date the guarantee was given. Subsequent to initial recognition, the Organization's obligations under such guarantees are measured as the higher of the initial amount, less the accumulated amortization, and the best estimate of the amount required to settle the guarantee if management deems such expenditure to be probable. These estimates are determined based on experience of similar transactions and history of past losses, supplemented by the judgment of Management. The fee income earned is recognized on a straight-line basis over the life of the guarantee. Any increase in the liability relating to guarantees is reported in the consolidated statement of income within “Other operating income/ (expenses)”.
Employee benefits	2.19 Employee benefits IAS 19 establishes that the employer must recognize prospectively the surplus or deficit of its defined benefit plans and post-retirement plans as an asset or an obligation in its consolidated statement of financial position, and must recognize the changes in the financial condition during the year in which the changes occurred, in profit or loss. Defined contribution plan Bradesco and its subsidiaries sponsor pension plans for their employees and Management of the “Free Benefit Generator Plan (PGBL)” type. The PGBL is a pension plan with defined contributions which allows financial resources to be accumulated throughout the professional career of the participants based on contributions paid by them and the sponsoring company, the funds of which are invested in an Exclusive Mutual Fund (FIE). The actuarial obligations of PGBL are fully covered by the corresponding FIE. The PGBL is managed by the subsidiaries Bradesco Vida e Previdência S.A.. Contribution obligations for defined contribution pension plans are recognized as expenses in profit or loss as incurred. Once the contributions are paid, Bradesco, in the capacity of employer, has no obligation to make any additional payment. In addition to the PGBL previously presented, the participants transferred from the defined benefit plan are assured a deferred proportional benefit until the date of migration. For participants in the defined benefit plan, whether or not transferred to the PGBL, retired participants and pensioners, the present value of the actuarial liabilities of the plan is fully covered by guarantee assets applied in the FIEs. Defined benefit plans The Organization's net obligation, in relation to the defined benefit plans, refers exclusively to institutions acquired are calculated separately for each plan, estimating the future benefit that the employees have earned in return for their service during the current and prior periods. The benefit is discounted to determine its present value and deducted by the fair value of any plan assets. The discount rate is the yield at the reporting date on “AA” credit rated bonds, which have maturity dates approximating the terms of the Organization's obligations. The calculation is made by an actuary, using the projected unit credit method. Termination benefits Severance benefits are required to be paid when the employment relationship is terminated by the Organization before the employee's normal date of retirement or whenever the employee accepts voluntary redundancy in return for such benefits. Benefits which are payable twelve months or more after the reporting date are discounted to their present value. Short-term benefits Benefits such as wages, salaries, social security contributions, paid annual leave and paid sick leave, profit sharing and bonuses (if payable within twelve months of the reporting date) and non-monetary benefits such as health care, etc. are recorded as expenses in the consolidated statement of income, without any discount to present value, if the Organization has a present legal or constructive obligation to pay the amount as a result of past service provided by the employee and the obligation can be reliably estimated.
Capitalization bonds	2.20 Capitalization bonds The liability for capitalization bonds is registered in the line ‘Other liabilities'. Financial liabilities and revenues from capitalization bonds are accrued at the time bonds are issued. Bonds are issued according to the types of payments, monthly or single payment. Each bond bears a nominal value and the deposit portion of each payment is remunerated at the referential rate (TR) plus 0.5% per month, which is used to determine the liability. Capitalization bond beneficiaries are eligible for a prize draw. At the end of a certain period that is determined at the time the capitalization bond is issued, a beneficiary may redeem the nominal value paid plus the referential rate (TR) +0.5% of interest, even if they have not won in the draw. These products are regulated by the insurance regulator in Brazil; however, they do not meet the definition of an insurance contract in accordance with IFRS 4 and, therefore, are classified as financial liabilities in accordance with IAS 39. Unclaimed amounts from “capitalization plans” are derecognized when the obligation legally expires, in accordance with IAS 39 as it relates to the derecognition of a financial liability. Expenses for placement of “capitalization plans”, are recognized as they are incurred.
Description of accounting policy for Interest	2.21 Interest Interest income and expenses are recognized on an accrual basis in the consolidated statement of income using the effective interest rate method. The effective interest rate is the rate that discounts estimated future cash payments and receipts throughout the expected life of the financial asset or liability (or, when appropriate, a shorter period) to the carrying amount of the financial asset or liability. When calculating the effective rate, the Organization estimates future cash flows considering all contractual terms of the financial instrument, but not future credit losses. The calculation of the effective interest rate includes all commissions, transaction costs, discounts or bonuses which are an integral part of such rate. Transaction costs are incremental costs directly attributable to the acquisition, issuance or disposal of a financial asset or liability.
Fees and commissions	2.22 Fees and commissions Fees and commission income and expense which are part of and are directly allocable to the effective interest rate on a financial asset or liability are included in the calculation of the effective interest rate. Other fee and commission income, including account service fees, asset management fees, credit card annual charges, and collection and consortium fees are recognized as the related services are rendered. When a loan commitment is not expected to result in the drawdown of a loan, the related commitment fees are recognized on a straight-line basis over the commitment period. Other fees and commissions expense relate mainly to transaction as the services are received.
Net insurance income	2.23 Net insurance income Insurance and coinsurance premiums, net of premiums transferred through coinsurance and reinsurance and related commissions, are recognized as income upon issuance of the respective policies / certificates / endorsements and invoices, or at the beginning of the risk period for cases in which the cover begins before issue date, and accounted for on a straight-line basis, over the duration of the policies, through the upfront recognition and subsequent reversal of the provision for unearned premiums and the deferred acquisition costs. Income from premiums and the acquisition costs related to risks already assumed whose respective policies have not yet been issued are recognized in the consolidated statement of income at the start of the risk coverage period on an estimated basis. The health insurance premiums are recorded in the premium account (result) or unearned premium or contribution reserve (PPCNG), according to the coverage period of the contracts in effect at the balance sheet date. Revenues and expenses related to DPVAT insurance operations are recorded on the basis of information received from the Seguradora Líder dos Consórcios do Seguro DPVAT S.A. Accepted co-insurance contracts and retrocession operations are recorded on the basis of information received from the lead co-insurer and IRB - Brasil Resseguros S.A., respectively. Reinsurance operations are recorded based on the provision of accounts, which are subject to review by reinsurers. The deferral of reinsurance premiums granted under proportional contracts is carried out in a manner consistent with the related insurance premium, while the deferral of premiums for non-proportional reinsurance contracts is carried out according to the period of validity of the respective reinsurance contracts. The receipts from insurance agency operations are deferred and recognized in income linearly, for a period of twenty-four months in health insurance operations and by the term of twelve months in the other operations. Contributions to pension plans and life insurance premiums with survivor coverage are recognized in income upon their effective receipt.
Income tax and social contribution	2.24 Income tax and social contribution Income tax and social contribution deferred tax assets, calculated on income tax losses, social contribution losses and temporary differences, are recorded in “Other Receivables - Sundry” and the deferred tax liabilities on tax differences in lease depreciation (applicable only for income tax), Deferred tax assets on temporary differences are realized when the difference between the accounting treatment and the income tax treatment reverses. Deferred tax assets on income tax and social contribution losses are realizable when taxable income is generated, up to the 30% limit of the taxable profit for the period. Deferred tax assets are recorded based on current expectations of realization considering technical studies and analyses carried out by Management. The provision for income tax is calculated at 15% of taxable income plus a 10% surcharge. For financial companies, financial company equivalent and of the insurance industry, the social contribution on the profit was calculated until August 2015, considering the rate of 15%. For the period between September 2015 and December 2018, the rate was changed to 20%, according to Law n o 13,169/15, returning to the rate of 15% as from January 2019. For the other companies, the social contribution is calculated considering the rate of 9%. By virtue of the amendment of the rate, the Organization Bradesco constituted, in September 2015, a supplement to the deferred tax asset of social contribution, considering the annual expectations of realization and the respective rates in force in each period, according to the technical study conducted. Tax expense comprises current and deferred tax. Current and deferred tax are recorded in the consolidated statement of income except when the result of a transaction is recognized directly in equity, in which case the related tax effect is also recorded in equity or in other comprehensive income. Current tax assets are amounts of taxes to be recovered through restitution or offset with taxes due from excess of taxes paid in relation to the current and / or previous period. Current tax expenses are the expected amounts payable or receivable on the taxable income or loss for the year, using tax rates enacted or substantively enacted at the reporting date, and any adjustment to tax payable in respect of previous years. Current tax payable also includes any tax liability arising from the declaration of dividends. Deferred tax is recognized in respect of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and amount used for taxation purposes. Deferred tax is not recognized for: · temporary differences on the initial recognition of assets or liabilities in a transaction that is not a business combination and that affects neither accounting nor taxable profit or loss; · temporary differences related to investments in subsidiaries, associates and jointly controlled entities to the extent that it is probable that they will not reverse in the foreseeable future; and · taxable temporary differences arising on the initial recognition of goodwill. Deferred tax is measured at the tax rates that are expected to be applied to the temporary differences when they reverse, based on the laws that have been enacted or substantively enacted by the reporting date. In determining the amount of current and deferred tax the Organization takes into account the impact of uncertain tax positions and whether additional taxes and interest may be due. The Organization believes that its accruals for tax liabilities are adequate for all open tax years based on its assessment of various factors, including interpretations of tax law and prior experience. This assessment relies on estimates and assumptions and may involve judgments about future events. New information may become available that causes the Organization to change its judgment regarding the adequacy of existing tax liabilities; such changes to tax liabilities will impact the tax expense in the period that such a determination is made. Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset current tax liabilities against current tax assets, and they relate to taxes levied by the same tax authority on the same taxable entity, or on different tax entities, but they intend to settle current tax liabilities and assets on a net basis or their tax assets and liabilities will be realized simultaneously. Additional taxes that arise from the distribution of dividends by the Bank are recognized at the same time as the liability to pay the related dividend is recognized. A deferred tax asset is recognized for unused tax losses, tax credits and deductible temporary differences to the extent that it is probable that future taxable profits will be available against which they can be utilized. Deferred tax assets are reviewed at each reporting date and are reduced to the extent that it is no longer probable that the related tax benefit will be realized.
Segment reporting	2.25 Information for operating segments is consistent with the internal reports provided to the Executive Officers (being the Chief Operating Decision Makers), which are comprised by the Chief Executive Officer, Executive Vice-Presidents, Managing Directors and Deputy Directors. The Organization operates mainly in the banking and insurance segments. The banking operations include operations in retail, middle market and corporate activities, lease, international bank operations, investment banking and private banking. The Organization's banking activities are performed through its own branches located throughout the country, in branches abroad and through subsidiaries, as well as by means of our shareholding interest in other companies. The insurance segment consists of insurance operations, supplementary pension plans and capitalization plans which are undertaken through a subsidiary, Bradesco Seguros S.A., and its subsidiaries.
Equity	2.26 Equity Preferred shares have no voting rights, but have priority over common shares in reimbursement of capital, in the event of liquidation, up to the amount of the capital represented by such preferred shares, and the right to receive a minimum dividend per share that is ten percent (10%) higher than the dividend distributed per share to the holders of common shares. (i) Share issue costs Incremental costs directly attributable to the issuance of shares are shown net of taxes in equity, thus reducing the initial share value. (ii) Earnings per share The Organization presents basic and diluted earnings per share data. Basic earnings per share is calculated by dividing the net income attributable to shareholders of the Organization by the weighted average number of shares outstanding during the year, excluding the average number of shares purchased by the Organization and held as treasury shares. Diluted earnings per share are the same as basic earnings per share, as there are no potentially dilutive instruments. (iii) Dividends payable Dividends on shares are paid and provisioned during the year. In the Meeting of Shareholders are destined at least the equivalent of 30% of the annual net income, in accordance with the the Company's Bylaws . Dividends approved and declared after the reporting date of the financial statements, are disclosed in the notes as subsequent events. (iv) Capital transactions Capital transactions are transactions between partners qualified as investment owners. These transactions modify the equity held by the controlling shareholder in a subsidiary. Since there is no loss of control, the difference between the amount paid and the fair value of the transaction is recognized directly in equity.

Significant Accounting Polici52

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies (Tables) [Abstract]
Summarized balance for the acquisition	See below the summarized balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil) at the date of acquisition: R$ thousand Accounting Adjustments Fair Value (1) Cash and cash equivalents 8,476,708 - 8,476,708 Desposits with the central banks 14,895,767 - 14,895,767 Loans and advances 69,364,585 (1,650,016) 67,714,569 Financial assets held for trading 20,881,824 - 20,881,824 Financial assets available for sale 23,745,717 - 23,745,717 Investments held to maturity 13,450 22,411 35,861 Property and equipment, net of accumulated depreciation 1,175,554 622,246 1,797,800 Intangible assets 558,015 3,993,743 4,551,758 Other assets 25,808,692 848,699 26,657,391 Deposits from banks (7,808,801) - (7,808,801) Deposits from customers (56,766,587) - (56,766,587) Financial liabilities held for trading (3,790,048) - (3,790,048) Funds from securities issued (40,187,105) (64,701) (40,251,806) Subordinated debt (1,401,348) - (1,401,348) Provisions (3,429,291) - (3,429,291) Other liabilities (42,242,831) - (42,242,831) Sub-total 9,294,301 13,066,683 Goodwill - 4,221,787 4,221,787 Total amount of s hareholders' equity acquired 9,294,301 17,288,470 (1) Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition.
The fair value of the	The fair value of the consideration transferred was composed as follows: R$ thousand Payment to HSBC Latin America Holding Limited, net of adjustment after closure (1) 15,665,367 Adjustment to the cost acquisition related to the fair value of the firm commitment (2) 1,623,103 Fair value of the consideration transferred 17,288,470 (1) Includes the IOF collection, and withholding Income Tax; and (2) Includes the results from changes to the fair value of the firm commitment attributable to the hedged risk that was recognized in the statement in the financial position h ired with the objective of protecting the effects of exchange rate variation of the firm commitment, though the use of a hedging instrument derivative.
The value of the investment	In December 2016, Bradesco, based on a study report on purchase price allocation ("PPA"), prepared by a contracted specialized and independent company, made the allocation of the fair value of assets acquired and liabilities assumed by HSBC Brasil, as follows: R$ thousand Shareholders' equity acquired 9,294,301 Fair value of assets acquired and liabilities assumed (221,361) Intangible assets acquired 3,993,743 Goodwill in the acquisition of the "HSBC Bank" and "HSBC Serviços" investments 4,221,787 Fair value of the consideration transferred 17,288,470
The main subsidiaries	The main subsidiaries included in the consolidated financial statements are as follows: Activity Country Shareholding interest December 31 2017 2016 Banco Alvorada S.A. Banking Brazil 99.99% 99.99% Banco Bradesco Financiamentos S.A. Banking Brazil 100.00% 100.00% Banco Boavista Interatlântico S.A. (1) Banking Brazil - 100.00% Banco Bradesco Argentina S.A. Banking Argentina 99.99% 99.99% Banco Bradesco Europa S.A. Banking Luxembourg 100.00% 100.00% Banco Bradesco BERJ S.A. Banking Brazil 100.00% 100.00% Banco Bradescard S.A. Cards Brazil 100.00% 100.00% Banco Bradesco BBI S.A. (1) Investment bank Brazil 99.85% 99.81% Banco Bradesco Cartões S.A. Cards Brazil 100.00% 100.00% Bradesco Administradora de Consórcios Ltda. (2) Consortium Management Brazil 100.00% 100.00% Bradseg Participações S.A. Holding Brazil 100.00% 100.00% Bradesco Auto/RE Cia. de Seguros Insurance Brazil 100.00% 100.00% Bradesco Capitalização S.A. Capitalization bonds Brazil 100.00% 100.00% Odontoprev S.A. Dental care Brazil 50.01% 50.01% Bradesco Leasing S.A. Arrendamento Mercantil Leasing Brazil 100.00% 100.00% Ágora Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 100.00% 100.00% Bradesco S.A. Corretora de Títulos e Valores Mobiliários Brokerage Brazil 100.00% 100.00% Bradesco Saúde S.A. Insurance / Health Brazil 100.00% 100.00% Bradesco Seguros S.A. Insurance Brazil 100.00% 100.00% Bradesco Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Bradesplan Participações Ltda. Holding Brazil 100.00% 100.00% BRAM - Bradesco Asset Management S.A. DTVM Asset Management Brazil 100.00% 100.00% Tempo Serviços Ltda. Services Brazil 100.00% 100.00% União Participações Ltda. Holding Brazil 100.00% 100.00% Banco Losango S.A. Banking Brazil 100.00% 100.00% Kirton Administradora de Consórcios Ltda (2) Consortium management Brazil - 100.00% Kirton Bank Brasil S.A. Banking Brazil 100.00% 100.00% Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A. Brokerage Brazil 99.97% 99.97% Kirton Capitalização S.A. (3) Capitalization bonds Brazil 100.00% 99.97% Kirton Seguros S.A. (4) (5) Insurance Brazil 98.54% 98.08% Kirton Vida e Previdência S.A. Pension plan/Insurer Brazil 100.00% 100.00% Kirton Participações e Investimentos Ltda (5) Holding Brazil - 100.00% (1) In November, 2017, Banco Boavista Interatlântico S.A. was merged into Banco Bradesco BBI S.A. with an increase in subscription for shares; (2) In May 2017, Kirton Administradora de Consórcios Ltda. was merged into Bradesco Administradora de Consórcios Ltda.; (3) Increase in interest, by means of acquisition of shares held by minority shareholders; (4) Increase in interest by means of subscription of shares in July 2017; and (5) Company merged into Kirton Seguros S.A., in July 2017.

Risk Management (Tables)

Risk Management (Tables)	12 Months Ended
	Dec. 31, 2017
Risk Management (Tables) [Abstract]
Credit risk exposure of the financial instruments	We present below the credit risk exposure of the financial instruments. R$ thousand On December 31 2017 2016 Cash and balances with banks 81,742,951 72,554,651 Derivative financial instruments 13,866,885 16,755,442 Loans and advances to banks 32,253,205 94,845,534 Loans and advances to customers 373,813,665 392,083,873 Other financial assets 599,199,362 497,974,002 Total items recorded in the balance sheet (1) 1,100,876,068 1,074,213,502 Total items not recorded in the balance sheet (Note 41) 283,089,393 316,298,033 Total risk exposure 1,383,965,461 1,390,511,535 (1) Collaterals are mainly represented by: securities, properties, financial investments, sureties and guarantees.
Derivative Financial Instruments	Derivative Financial Instruments R$ thousand On December 31 2017 2016 Traded in the stock exchange 88,120 1,068,418 OTC contract 13,778,765 15,687,024 Total 13,866,885 16,755,442
Portfolio of loans and advances to banks as rated internally.	We present below the portfolio of loans and advances to banks as rated internally by the Organization: R$ thousand On December 31 2017 2016 Low risk 32,253,205 94,845,534 Medium risk - - High risk - - Total 32,253,205 94,845,534
The Organization's loans and advances to customers are classified as “impaired”	The Organization's loans and advances to customers are classified as “impaired” when they fall in at least one of the following situations: (a) are delinquent more than 90 days, except for housing loan operations secured by residential property (overdue more than 180 days) and/or; (b) have incurred a loss and/or; (c) have been renegotiated and/or; (d) have been reclassified as a higher risk level; and/or (e) have been subject to bankruptcy events. The internal models used by the Organization are based on client or product. R$ thousand On December 31 2017 2016 Neither past due nor impaired (i) 321,595,918 337,337,152 Past due but not impaired (ii) 10,684,314 12,612,906 Impaired (iii) 41,533,433 42,133,815 Total loans and advances to customers 373,813,665 392,083,873 Impairment of loans and advances (27,055,566) (24,780,839) Net amount 346,758,099 367,303,034
Loans and advances to customers neither past due nor impaired	(i) Loans and advances to customers neither past due nor impaired R$ thousand On December 31 2017 2016 Low risk 309,535,667 325,170,838 Medium risk 9,895,319 10,269,218 High risk 2,164,932 1,897,096 Total 321,595,918 337,337,152
The individually material loans and advances	The individually material loans and advances may be presented in this category when, based on the individual analysis, it is not necessary to record an individual impairment loss and, accordingly, the asset is then subject to a collective loss analysis. R$ thousand On December 31 2017 2016 Past due up to 60 days 8,177,461 9,737,697 Past due between 61 and 90 days 2,302,186 2,608,305 Past due for more than 90 days 204,667 266,904 Total 10,684,314 12,612,906
Loans and advances to customers impaired	(iii) Loans and advances to customers impaired R$ thousand On December 31 2017 2016 Portfolio not yet due 20,342,024 17,567,703 Past due up to 60 days 2,915,081 4,067,322 Past due between 61 and 90 days 1,279,795 1,284,035 Past due for more than 90 days 16,996,533 19,214,755 Total 41,533,433 42,133,815
Loans and advances impaired by category	The following table presents the loans and advances impaired by category: R$ thousand On December 31 2017 2016 Credit card 6,158,265 5,962,131 Working capital 6,052,758 5,940,498 Personal credit 4,632,789 4,951,949 Housing loans 4,071,447 2,553,802 Financing and export 2,770,221 2,456,658 Vehicles - CDC (Direct consumer credit) 1,333,748 1,651,852 Rural loans 982,699 946,282 Onlending BNDES/Finame 780,985 1,052,671 Overdraft for individuals 638,506 882,992 Acquisition of assets 295,944 459,574 Overdraft for corporates 256,271 406,296 Other 13,559,800 14,869,110 Total 41,533,433 42,133,815
Changes made and our analysis of our portfolio of renegotiated loans and advances to customers	The following table shows changes made and our analysis of our portfolio of renegotiated loans and advances to customers: R$ thousand On December 31 2017 2016 Opening balance 17,501,423 12,728,723 Additional renegotiated amounts, including interest 16,185,863 18,777,814 Payments received (10,108,040) (8,997,802) Write-offs (6,395,377) (5,007,312) Closing balance 17,183,869 17,501,423 Impairment of loans and advances (10,853,777) (10,346,397) Total renegotiated loans and advances to customers, net of impairment at the end of the year 6,330,092 7,155,026 Impairment on renegotiated loans and advances as a percentage of the renegotiated portfolio 63.2% 59.1% Total renegotiated loans and advances as a percentage of the total loan portfolio 4.6% 4.5% Total renegotiated loans and advances as a percentage of the total loan portfolio, net of impairment 1.8% 1.9%
Concentration of credit risk in loans and advances	Concentration of credit risk in loans and advances On December 31 2017 2016 Largest borrower 2.5% 2.3% 10 largest borrowers 8.2% 8.5% 20 largest borrowers 12.2% 12.6% 50 largest borrowers 17.8% 18.5% 100 largest borrowers 22.2% 23.0%
The credit-risk concentration analysis presented	The credit-risk concentration analysis presented below is based on the economic activity sector in which the counterpart operates. On December 31 - R$ thousand 2017 % 2016 % Public sector 9,676,927 2.6 8,813,581 2.2 Oil, derivatives and aggregate activities 9,410,382 2.5 8,813,581 2.2 Production and distribution of electricity 1,322 - - - Other industries 265,223 0.1 - - Private sector 364,136,738 97.4 383,270,292 97.8 Companies 190,148,345 50.9 212,344,421 54.2 Real estate and construction activities 29,383,442 7.9 33,888,418 8.6 Retail 23,935,638 6.4 25,346,471 6.5 Services 17,996,533 4.8 18,172,147 4.6 Transportation and concession 14,190,284 3.8 17,044,780 4.3 Automotive 10,014,454 2.7 13,148,526 3.4 Food products 8,866,028 2.4 10,870,635 2.8 Wholesale 9,045,916 2.4 10,704,646 2.7 Production and distribution of electricity 7,360,804 2.0 8,255,265 2.1 Siderurgy and metallurgy 7,001,290 1.9 7,800,237 2.0 Sugar and alcohol 7,042,811 1.9 7,514,693 1.9 Other industries 55,311,145 14.8 59,598,603 15.2 Individuals 173,988,393 46.5 170,925,871 43.6 Total portfolio 373,813,665 100.0 392,083,873 100.0 Impairment of loans and advances (27,055,566) (24,780,839) Total of net loans and advances to customers 346,758,099 367,303,034
Financial assets and liabilities subject to compensation	The table below presents financial assets and liabilities subject to compensation. R$ thousand On December 31, 2017 Amount of financial assets, gross Related amount offset in the Balance Sheet Net amount Interbank investments 123,691,195 - 123,691,195 Derivative financial instruments 13,866,885 - 13,866,885 R$ thousand On December 31, 2017 Amount of financial liabilities, gross Related amount offset in the Balance Sheet Net amount Securities sold under agreements to repurchase 233,467,544 - 233,467,544 Derivative financial instruments 14,274,999 - 14,274,999 R$ thousand On December 31, 2016 Amount of financial assets, gross Related amount not cleared in the Balance Sheet Net amount Interbank investments 84,728,590 - 84,728,590 Derivative financial instruments 16,755,442 - 16,755,442 R$ thousand On December 31, 2016 Amount of financial liabilities, gross Related amount not cleared in the Balance Sheet Net amount Securities sold under agreements to repurchase 241,978,931 - 241,978,931 Derivative financial instruments 13,435,678 - 13,435,678
Financial Exposure - Trading Portfolio	Financial Exposure - Trading Portfolio (Fair value) Risk factors R$ thousand On December 31 2017 2016 Assets Liabilities Assets Liabilities Fixed rates 11,614,849 6,184,099 33,026,609 13,806,553 IGP-M (General Index of market pricing) / IPCA (Consumer price index) 1,053,893 532,957 330,819 404,612 Exchange coupon 1,808,598 1,658,084 997,507 878,284 Foreign Currency 1,808,598 2,103,715 1,005,349 1,024,526 Equities 461,957 468,911 - - Sovereign/Eurobonds and Treasuries 560,619 360,252 2,301,628 906,361 Other 257,537 98,517 218,421 - Total 17,566,051 11,406,535 37,880,333 17,020,336
The 1-day VaR of Trading Portfolio net of tax effects	The 1-day VaR of Trading Portfolio net of tax effects in end of 2017 was R$ 14,417 thousand, with the interest rate risk as the largest participation of the portfolio. Risk factors R$ thousand On December 31 2017 2016 Fixed rates 8,956 20,704 IGP-M (General Index of market pricing) / IPCA (Consumer price index) 2,751 416 Exchange coupon 48 64 Foreign Currency 2,925 224 Sovereign/Eurobonds and Treasuries 826 3,230 Equities 289 - Other 1 2 Correlation/diversification effect (1,379) (1,892) VaR at the end of the year 14,417 22,748 Average VaR in the year 24,024 19,910 Minimum VaR in the year 5,499 9,408 Maximum VaR in the year 100,640 36,726
The capital is calculated by the normal delta VaR model based in Regulatory Portfolio	The capital is calculated by the normal delta VaR model based in Regulatory Portfolio, composed by Trading Portfolio and the Foreign Exchange Exposures and the Commodities Exposure of the Banking Portfolio. In addition, the historical simulation and the Delta-Gama-Vega models of risk are applied to measure all risk factors to an options portfolio, whichever is the most conservative. In this model, risk value is extrapolated to the regulatory horizon ( [1] ) (at least ten days) by the ‘square root of time' method. VaR and Stressed VaR shown below refer to a ten-day horizon and are net of tax effects. Risk factors R$ thousand On December 31 2017 2016 VaR Stressed VaR Stressed Interest rate 37,659 48,400 70,231 149,043 Exchange rate 7,715 17,300 12,966 27,713 Commodity price (Commodities) 1,110 200 12 29 Equities 2,065 7,400 - - Correlation/diversification effect 36,429 240 (1,872) (8,296) VaR at the end of the year 84,978 73,540 81,337 168,489 Average VaR in the year 87,358 107,059 70,249 179,169 Minimum VaR in the year 24,945 26,803 38,810 83,230 Maximum VaR in the year 369,342 236,895 131,105 247,814
The possible impacts on positions in stress scenarios	The Organization also assesses on a daily basis, the possible impacts on positions in stress scenarios for the next 20 business days, with limits established in the governance process. Thus, considering the effect of diversification between the risk factors and the tax effects, the average of the possible loss estimates in a stress situation would be R$ 168,751 thousand in 2017 (2016 - R$ 198,274 thousand ) , and the maximum estimated loss in the year of 2017 would be R$ 387,884 thousand (2016 - R$ 371,395 thousand ) . R$ thousand On December 31 2017 2016 At the end of the year 103,949 338,004 Average in the year 168,751 198,274 Minimum in the year 53,426 87,152 Maximum in the year 387,884 371,395
Sensitivity Analysis - Trading Portfolio	Sensitivity Analysis - Trading Portfolio R$ thousand Trading Portfolio (1) On December 31 2017 2016 Scenarios Scenarios 1 2 3 1 2 3 Interest rate Exposure subject to variations in fixed interest rates and interest rate coupons (359) (61,497) (120,385) (1,074) (293,350) (568,367) Price indexes Exposure subject to variations in price index coupon rates (147) (17,576) (33,298) (26) (3,723) (7,174) Exchange coupon Exposure subject to variations in foreign currency coupon rates (9) (420) (839) (2) (224) (437) Foreign currency Exposure subject to exchange rate variations (1,629) (40,736) (81,473) (106) (2,649) (5,297) Equities Exposure subject to variation in stock prices (1,215) (30,378) (60,757) - - - Sovereign/Eurobonds and Treasuries Exposure subject to variations in the interest rate of securities traded on the international market (2,469) (61,730) (123,461) (1,464) (11,649) (24,751) Other Exposure not classified in other definitions - - - - (19) (39) Total excluding correlation of risk factors (5,828) (212,337) (420,213) (2,672) (311,614) (606,065) Total including correlation of risk factors (3,448) (131,662) (259,684) (2,058) (295,900) (574,058) (1) Values net of taxes.
Sensitivity Analysis - Trading and Banking Portfolio	Sensitivity Analysis - Trading and Banking Portfolio R$ thousand Trading and Banking Portfolios (1) On December 31 2017 2016 Scenarios Scenarios 1 2 3 1 2 3 Interest rate Exposure subject to variations in fixed interest rates and interest rate coupons (12,579) (2,339,939) (4,560,181) (8,994) (2,466,388) (4,786,687) Price indexes Exposure subject to variations in price index coupon rates (512) (56,130) (107,716) (9,255) (1,224,208) (2,264,187) Exchange coupon Exposure subject to variations in foreign currency coupon rates (1,575) (80,110) (158,548) (455) (49,446) (93,726) Foreign currency Exposure subject to exchange rate variations (600) (15,004) (30,008) (867) (21,663) (43,327) Equities Exposure subject to variation in stock prices (16,289) (407,237) (814,475) (14,817) (370,420) (740,841) Sovereign/Eurobonds and Treasuries Exposure subject to variations in the interest rate of securities traded on the international market (4,978) (205,764) (406,054) (1,786) (15,940) (32,801) Other Exposure not classified in other definitions (12) (307) (613) (1) (28) (55) Total excluding correlation of risk factors (36,545) (3,104,491) (6,077,595) (36,175) (4,148,093) (7,961,624) Total including correlation of risk factors (26,956) (2,678,101) (5,232,466) (26,893) (3,691,157) (7,090,253) (1) Values net of taxes.
The level of the ratio between high quality liquid assets and total net cash outflows	In accordance with the LCR implantation schedule, the level of the ratio between HQLA and total net cash outflows must comply with the following schedule: Year 2016 2017 2018 As of 2019 % Required 70% 80% 90% 100%
The average LCR Prudential Conglomerate	The table below shows the average LCR Prudential Conglomerate: R$ thousand Information on the Liquidity Coverage Ratio (LCR) On December 31 (1) On December 31 (2) 2017 2016 Average Amount (3) Weighted Average Amount (4) Average Amount (3) Weighted Average Amount (4) Number of Line High Quality Liquid Assets (HQLA) 1 Total High Quality Liquid Assets (HQLA) 125,596,242 146,652,484 Number of Line Cash Outlows 2 Retail funding: 210,005,411 17,749,477 227,352,566 16,702,571 3 Stable funding 135,661,528 6,783,076 140,847,861 4,225,436 4 Less stable funding 74,343,883 10,966,401 86,504,705 12,477,135 5 Non-collateralized wholesale funding: 112,474,083 50,716,519 102,652,197 49,853,687 6 Operating deposits (all counterparties) and affiliated cooperative deposits 8,152,936 407,647 6,226,398 192,711 7 Non-operating deposits (all counterparties) 103,275,838 49,263,563 95,809,211 49,044,388 8 Other non-collateralized wholesale funding 1,045,309 1,045,309 616,588 616,588 9 Collateralized wholesale funding - 6,656,909 - 5,808,725 10 Additional requirements: 97,751,894 13,746,422 99,952,624 15,328,908 11 Related to exposure to derivatives and other collateral requirements 15,192,265 7,089,564 16,283,688 9,017,294 12 Related to funding losses through the issue of debt instruments 345,574 345,574 33,682 6,332 13 Related to lines of credit and liquidity 82,214,055 6,311,284 83,635,254 6,305,282 14 Other contractual obligations 30,492,461 28,811,462 29,749,147 29,749,147 15 Other contingent obligations 131,133,680 5,160,312 156,190,246 5,581,011 16 Total cash outflows - 122,841,100 - 123,024,048 Number of Line Cash Inflows 17 Collateralized loans 161,500,640 - 189,610,077 937,935 18 Outstanding loans whose payments are fully up-to-date 32,424,050 21,009,387 37,529,539 24,090,950 19 Other cash inflows 24,624,328 21,429,233 21,079,562 17,347,511 20 Total cash inflows 218,549,018 42,438,620 248,219,178 42,376,396 Total Adjusted Amount (5) Total Adjusted Amount (5) 21 Total HQLA 125,596,242 146,652,484 22 Total net cash outflow 80,402,480 80,647,652 23 LCR (%) (5) 156.2% 181.8% 1) Calculated based on the simple daily average of the months that compose the quarter (61 observations); 2) Calculated based on the simple average of the closing of the months that compose the quarter (3 observations); 3) Corresponds to the total balance related to the item of cash inflows or outflows; 4) Corresponds to the value after application of the weighting factors; and 5) Corresponds to the calculated value after the application of weighting factors and limits.
The cash flows payable for non-derivative financial liabilities	The table below presents the cash flows payable for non-derivative financial liabilities, covering the remaining contractual period to maturity as from the date of the consolidated statement of financial position. The values disclosed in this table represent the undiscounted contractual cash flows. R$ thousand On December 31, 2017 Up to 1 month From 1 to 3 months From 3 months to 1 year From 1 to 5 years More than 5 years Total Deposits from banks 197,275,471 17,199,209 47,240,285 25,251,295 6,593,477 293,559,737 Deposits from customers 141,846,015 7,519,939 16,476,264 106,861,185 117,268 272,820,671 Funds from issuance of securities 3,346,915 13,222,173 69,548,689 77,143,455 1,503,901 164,765,133 Subordinated debt 896,349 3,705,136 6,942,643 27,064,409 33,166,577 71,775,114 Other financial liabilities (1) 43.606.124 8.785.744 2.290.146 3.711.492 4.046.006 62.439.512 Total liabilities 386.970.874 50.432.201 142.498.027 240.031.836 45.427.229 865.360.167 R$ thousand On December 31, 2016 Up to 1 month From 1 to 3 months From 3 months to 1 year From 1 to 5 years More than 5 years Total Deposits from banks 166,104,038 18,369,626 67,893,343 57,316,125 6,602,647 316,285,779 Deposits from customers 137,186,325 9,655,017 16,460,997 87,377,222 103,507 250,783,068 Funds from issuance of securities 10,239,074 11,971,886 78,896,618 91,190,406 1,850,999 194,148,983 Subordinated debt 439,974 2,268,618 11,958,373 24,756,298 32,110,903 71,534,166 Other financial liabilities (1) 41,547,649 9,025,726 2,516,140 3,837,647 4,663,580 61,590,742 Total liabilities 355,517,060 51,290,873 177,725,471 264,477,698 45,331,636 894,342,738
The derivative financial liabilities that will be settled at net value	The table below analyzes the derivative financial liabilities that will be settled at net value, grouped based on the period remaining from the reporting date to the respective maturity date. The values disclosed in the table are undiscounted cash flows. R$ thousand On December 31, 2017 Up to 1 month From 1 to 3 months From 3 months to 1 year From 1 to 5 years More than 5 years Total Differential of swaps payable 279,134 125,468 536,406 12,169,717 166,038 13,276,763 Non-deliverable forwards 201,115 95,761 147,710 66,682 737 512,005 • Purchased 73,599 53,513 90,914 65,640 737 284,403 • Sold 127,516 42,248 56,796 1,042 - 227,602 Premiums of options 551,220 13,510 34,443 63,052 303,200 965,425 Adjustment payables - future 155,305 - - - - 155,305 Total of derivative liabilities 1,186,774 234,739 718,559 12,299,451 469,975 14,909,498 R$ thousand On December 31, 2016 Up to 1 month From 1 to 3 months From 3 months to 1 year From 1 to 5 years More than 5 years Total Differential of swaps payable 1,426,666 183,769 546,569 8,695,486 169,285 11,021,775 Non-deliverable forwards 1,772,919 264,887 542,923 158,670 547 2,739,946 • Purchased 212,953 256,669 534,800 150,289 547 1,155,258 • Sold 1,559,966 8,218 8,123 8,381 - 1,584,688 Premiums of options 150,945 28,342 40,154 43,217 - 262,658 Adjustment payables - future 19,164 - - - - 19,164 Total of derivative liabilities 3,369,694 476,998 1,129,646 8,897,373 169,832 14,043,543
The financial assets and liabilities of the Organization segregated by maturities	The tables below show the financial assets and liabilities of the Organization segregated by maturities used for the management of liquidity risks, in accordance with the remaining contractual maturities on the reporting date: R$ thousand On December 31, 2017 Current Non-current Total 1 to 30 days 31 to 180 days 181 to 360 days 1 to 5 years More than 5 years No stated maturity Assets Cash and balances with banks 81,742,951 - - - - - 81,742,951 Financial assets held for trading 15,181,714 10,934,575 5,501,249 146,527,365 56,173,284 7,391,854 241,710,041 Financial assets available for sale 2,422,266 9,392,915 19,351,886 83,816,085 33,391,763 11,037,807 159,412,722 Investments held to maturity 7,753 2,454 19,205 10,284,940 28,691,766 - 39,006,118 Financial assets pledged as collateral 25,977,537 111,922,357 2,543,922 40,965,417 2,565,940 - 183,975,173 Loans and advances to banks 23,136,673 3,544,426 3,387,187 1,754,483 424,955 - 32,247,724 Loans and advances to customers 55,830,036 80,715,548 51,526,092 114,151,120 44,535,303 - 346,758,099 Other financial assets (1) 25,375,820 1,340,567 1,807,856 11,322,882 1,872,358 - 41,719,483 Total financial assets 229,674,750 217,852,842 84,137,397 408,822,292 167,655,369 18,429,661 1,126,572,311 Liabilities Deposits from banks 197,177,061 29,640,587 31,589,994 22,221,075 5,328,751 - 285,957,468 Deposits from customers (2) 142,525,722 11,400,607 10,531,633 97,523,112 27,371 - 262,008,445 Financial liabilities held for trading 13,552,386 201,643 81,073 134,649 305,248 - 14,274,999 Funds from issuance of securities 3,422,727 31,299,770 48,540,240 51,142,979 768,374 - 135,174,090 Subordinated debt 738,929 9,428,997 640,536 20,767,242 18,603,697 - 50,179,401 Insurance technical provisions and pension plans (2) 207,499,559 2,411,996 939,034 28,239,001 - - 239,089,590 Other financial liabilities (3) 43,606,124 8,785,744 2,290,146 3,711,492 4,046,006 - 62,439,512 Total financial liabilities 608,522,508 93,169,344 94,612,656 223,739,550 29,079,447 - 1,049,123,505 R$ thousand On December 31, 2016 Current Non-current Total 1 to 30 days 31 to 180 days 181 to 360 days 1 to 5 years More than 5 years No stated maturity Assets Cash and balances with banks 72,554,651 - - - - - 72,554,651 Financial assets held for trading 18,475,080 6,768,610 9,759,221 134,589,655 35,837,056 7,710,224 213,139,846 Financial assets available for sale 5,629,209 2,127,660 4,149,003 60,251,675 31,143,446 9,817,561 113,118,554 Investments held to maturity - - - 12,932,440 30,069,588 - 43,002,028 Financial assets pledged as collateral 83,646,950 3,394,834 1,904,827 48,753,065 17,586,901 - 155,286,577 Loans and advances to banks 88,759,292 2,545,217 2,120,712 1,398,574 14,341 - 94,838,136 Loans and advances to customers 58,151,213 87,409,338 54,879,049 125,744,273 41,119,161 - 367,303,034 Other financial assets (1) 25,657,932 633,472 287,442 10,384,379 2,207,966 - 39,171,191 Total financial assets 352,874,327 102,879,131 73,100,254 394,054,061 157,978,459 17,527,785 1,098,414,017 Liabilities Deposits from banks 162,977,360 63,417,792 19,850,717 50,045,413 5,371,400 - 301,662,682 Deposits from customers (2) 137,252,829 15,331,311 9,457,530 70,641,804 64,455 - 232,747,929 Financial liabilities held for trading 12,428,599 534,525 279,662 192,649 243 - 13,435,678 Funds from issuance of securities 7,295,059 45,280,096 40,140,968 57,237,747 1,148,068 - 151,101,938 Subordinated debt 426,665 3,904,856 7,068,023 21,554,158 19,657,362 - 52,611,064 Insurance technical provisions and pension plans (2) 182,739,608 3,342,339 1,306,760 28,451,293 - - 215,840,000 Other financial liabilities (3) 41,547,649 9,025,726 2,516,140 3,837,647 4,663,580 - 61,590,742 Total financial liabilities 544,667,769 140,836,645 80,619,800 231,960,711 30,905,108 - 1,028,990,033 (1) Includes mainly foreign exchange transactions, debtors for guarantee deposits and negotiation and intermediation of securities; (2) Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and (3) Includes mainly credit card transactions, foreign exchange transactions, negotiation and intermediation of securities, finance lease and capitalization bonds.
The assets and liabilities of the Company segregated by current and non-current	The tables below show the assets and liabilities of the Organization segregated by current and non-current, on the reporting date: R$ thousand On December 31, 2017 Current Non-current Total Assets Total financial assets 531,664,989 594,907,322 1,126,572,311 Non-current assets held for sale 1,520,973 - 1,520,973 Investments in associated companies - 8,257,384 8,257,384 Premises and equipment - 8,432,475 8,432,475 Intangible assets and goodwill, net of accumulated amortization - 16,179,307 16,179,307 Taxes to be offset 4,589,981 5,934,594 10,524,575 Deferred income tax assets - 43,731,911 43,731,911 Other assets 6,602,669 2,531,835 9,134,504 Total non-financial assets 12,713,623 85,067,506 97,781,129 Total assets 544,378,612 679,974,828 1,224,353,440 Liabilities Total financial liabilities 796,304,508 252,818,997 1,049,123,505 Other reserves 1,349,366 17,141,361 18,490,727 Current income tax liabilities 2,416,345 - 2,416,345 Deferred income tax assets 36,344 1,215,503 1,251,847 Other liabilities 33,460,225 1,917,087 35,377,312 Total non-financial liabilities 37,262,280 20,273,951 57,536,231 Total equity - 117,693,704 117,693,704 Total liabilities 833,566,788 390,786,652 1,224,353,440 R$ thousand On December 31, 2016 Current Non-current Total Assets Total financial assets 528,853,712 569,560,305 1,098,414,017 Non-current assets held for sale 1,578,966 - 1,578,966 Investments in associated companies - 7,002,778 7,002,778 Premises and equipment - 8,397,116 8,397,116 Intangible assets and goodwill, net of accumulated amortization - 15,797,526 15,797,526 Taxes to be offset 3,114,609 4,608,602 7,723,211 Deferred income tax assets - 45,116,863 45,116,863 Other assets 5,278,675 2,720,504 7,999,179 Total non-financial assets 9,972,250 83,643,389 93,615,639 Total assets 538,825,962 653,203,694 1,192,029,656 Liabilities Total financial liabilities 766,124,214 262,865,819 1,028,990,033 Other reserves 4,293,374 13,999,035 18,292,409 Current income tax liabilities 2,130,286 - 2,130,286 Deferred income tax assets 36,943 1,726,005 1,762,948 Other liabilities 34,917,264 457,509 35,374,773 Total non-financial liabilities 41,377,867 16,182,549 57,560,416 Total equity - 105,479,207 105,479,207 Total liabilities 807,502,081 384,527,575 1,192,029,656
The composition of the financial assets and liabilities measured at fair value	The tables below present the composition of the financial assets and liabilities measured at fair value, classified using the hierarchical levels: R$ thousand On December 31, 2017 Level 1 Level 2 Level 3 Fair Value Brazilian government securities 198,273,452 3,975,816 4 202,249,272 Corporate debt and marketable equity securities 3,716,053 8,271,295 352,442 12,339,790 Bank debt securities 1,952,015 6,396,254 - 8,348,269 Mutual funds 4,377,508 - - 4,377,508 Foreign governments securities 528,010 - - 528,010 Brazilian sovereign bonds 307 - - 307 Trading securities 208,847,345 18,643,365 352,446 227,843,156 Derivative financial instruments (assets) 46,601 13,814,312 5,972 13,866,885 Derivative financial instruments (liabilities) - (14,264,124) (10,875) (14,274,999) Derivatives 46,601 (449,812) (4,903) (408,114) Brazilian government securities 103,237,635 - 44,123 103,281,758 Corporate debt securities 4,786,078 31,740,856 3,451,696 39,978,630 Bank debt securities 1,086,454 97,399 - 1,183,853 Brazilian sovereign bonds 728,127 - - 728,127 Foreign governments securities 3,202,547 - - 3,202,547 Marketable equity securities and other stocks 4,380,606 3,261,732 3,395,469 11,037,807 Available-for-sale securities 117,421,447 35,099,987 6,891,288 159,412,722 Brazilian government securities 53,841,066 - - 53,841,066 Corporate debt securities 825,287 - - 825,287 Bank debt securities 4,904,070 - - 4,904,070 Brazilian sovereign bonds 713,555 - - 713,555 Financial assets pledged as collateral 60,283,978 - - 60,283,978 Total 386,599,371 53,293,540 7,238,831 447,131,742 R$ thousand On December 31, 2016 Level 1 Level 2 Level 3 Fair Value Brazilian government securities 157,346,640 3,756,680 79 161,103,399 Corporate debt and marketable equity securities 3,740,235 6,356,302 287,145 10,383,682 Bank debt securities 470,676 18,129,451 - 18,600,127 Mutual funds 4,295,403 8,378 - 4,303,781 Foreign governments securities 635,390 - - 635,390 Brazilian sovereign bonds 1,358,025 - - 1,358,025 Trading securities 167,846,369 28,250,811 287,224 196,384,404 Derivative financial instruments (assets) 26,632 16,728,802 8 16,755,442 Derivative financial instruments (liabilities) - (13,427,053) (8,625) (13,435,678) Derivatives 26,632 3,301,749 (8,617) 3,319,764 Brazilian government securities 59,149,326 - 48,702 59,198,028 Corporate debt securities 2,470,652 38,431,230 1,240,826 42,142,708 Bank debt securities 1,063,157 495,886 - 1,559,043 Brazilian sovereign bonds 401,214 - - 401,214 Marketable equity securities and other stocks 3,387,158 2,706,578 3,723,825 9,817,561 Available-for-sale securities 66,471,507 41,633,694 5,013,353 113,118,554 Brazilian government securities 61,812,995 - - 61,812,995 Corporate debt securities 3,899,878 - - 3,899,878 Bank debt securities 4,742,273 - - 4,742,273 Brazilian sovereign bonds 102,841 - - 102,841 Financial assets pledged as collateral 70,557,987 - - 70,557,987 Total 304,902,495 73,186,254 5,291,960 383,380,709
Reconciliation of all assets and liabilities measured at fair value	The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the years 2017 and 2016: R$ thousand Financial assets held for trading Financial assets available for sale Derivatives Total Balance on December 31, 2015 209,210 6,085,190 (20,382) 6,274,018 Included in the statement of income and other comprehensive income 13,155 (1,174,225) - (1,161,070) Acquisitions 3,833 2,178,445 11,793 2,194,071 Write-offs (7,633) (445,173) (28) (452,834) Transfer with categories 274,001 (274,001) - - Transfer levels (205,342) (1,356,883) - (1,562,225) Balance on December 31, 2016 287,224 5,013,353 (8,617) 5,291,960 Included in the statement of income and other comprehensive income 15,868 (735,002) - (719,134) Acquisitions 74,908 4,019,844 3,714 4,098,466 Write-offs (25,554) (1,406,907) - (1,432,461) Balance on December 31, 2017 352,446 6,891,288 (4,903) 7,238,831
The gains/(losses) due to changes in fair value, including the realized and unrealized gains and losses, recorded in the consolidated statement of income for Level 3 assets and liabilities	The tables below show the gains/(losses) due to changes in fair value, including the realized and unrealized gains and losses, recorded in the consolidated statement of income for Level 3 assets and liabilities during the years 2017, 2016 and 2015: R$ thousand Year ended December 31, 2017 Financial assets held for trading Financial assets available for sale Financial assets pledged as collateral Total Interest and similar income 25,967 182,269 - 208,236 Net trading gains/(losses) realized and unrealized (10,099) (917,271) - (927,370) Total 15,868 (735,002) - (719,134) R$ thousand Year ended December 31, 2016 Financial assets held for trading Financial assets available for sale Financial assets pledged as collateral Total Interest and similar income 16,518 207,164 - 223,682 Net trading gains/(losses) realized and unrealized (3,363) (1,381,389) - (1,384,752) Total 13,155 (1,174,225) - (1,161,070) R$ thousand Year ended December 31, 2015 Financial assets held for trading Financial assets available for sale Financial assets pledged as collateral Total Interest and similar income 440,791 1,399,443 - 1,840,234 Net trading gains/(losses) realized and unrealized 10,496 1,094,894 - 1,105,390 Total 451,287 2,494,337 - 2,945,624
The gains/(losses) due to the changes in fair value, including the realized and unrealized gains and losses, recorded in the statement of income for Level 3 assets and liabilities	The tables below show the gains/(losses) due to the changes in fair value, including the realized and unrealized gains and losses, recorded in the statement of income for Level 3 assets and liabilities, which were not settled during the years 2017, 2016 and 2015: R$ thousand Year ended December 31, 2017 Financial assets held for trading Financial assets pledged as collateral Total Net gains/(losses) due to changes in fair value (10,099) - (10,099) Total (10,099) - (10,099) R$ thousand Year ended December 31, 2016 Financial assets held for trading Financial assets pledged as collateral Total Net gains/(losses) due to changes in fair value (3,363) - (3,363) Total (3,363) - (3,363) R$ thousand Year ended December 31, 2015 Financial assets held for trading Financial assets pledged as collateral Total Net gains/(losses) due to changes in fair value 9,420 - 9,420 Total 9,420 - 9,420
Sensitivity analysis for financial assets	Sensitivity analysis for financial assets classified as Level 3 R$ thousand On December 31, 2017 Impact on income (1) Impact on shareholders' equity (1) 1 2 3 1 2 3 Interest rate (8) (1,931) (3,482) (63) (14,873) (26,345) Price indexes - - - (10) (1,269) (2,394) Equities (1,351) (33,783) (67,567) (17,825) (445,615) (891,231) R$ thousand On December 31, 2016 Impact on income (1) Impact on shareholders' equity (1) 1 2 3 1 2 3 Interest rate (1) (271) (476) (26) (6,205) (11,088) Price indexes - - - (8) (1,047) (1,953) Equities - - - (19,481) (487,018) (974,037) (1) Values net of taxes.
Carrying amounts and the fair values of the financial assets and liabilities that were not presented in the consolidated statements of financial position at their fair value	The table below summarizes the carrying amounts and the fair values of the financial assets and liabilities that were not presented in the consolidated statements of financial position at their fair value, classified using the hierarchical levels: R$ thousand On December 31, 2017 Fair Value Book value Level 1 Level 2 Level 3 Total Financial assets Financial assets pledged as collateral · securities purchased under agreements to resell - 123,691,195 - 123,691,195 123,691,195 Held to maturity 29,182,489 11,963,782 - 41,146,271 39,006,118 Loans and receivables · Banks (1) - 32,247,724 - 32,247,724 32,247,724 · Customers (1) - - 346,633,592 346,633,592 346,758,099 Financial liabilities Deposits from banks - - 285,716,505 285,716,505 285,957,468 Deposits from customers - - 261,760,442 261,760,442 262,008,445 Funds from issuance of securities - - 134,890,631 134,890,631 135,174,090 Subordinated debt - - 51,012,436 51,012,436 50,179,401 R$ thousand On December 31, 2016 Fair Value Book value Level 1 Level 2 Level 3 Total Financial assets Financial assets pledged as collateral · securities purchased under agreements to resell - 84,728,590 - 84,728,590 84,728,590 Held to maturity 32,875,426 11,379,323 - 44,254,749 43,002,028 Loans and receivables · Banks (1) - 94,838,136 - 94,838,136 94,838,136 · Customers (1) - - 362,156,027 362,156,027 367,303,034 Financial liabilities Deposits from banks - - 301,497,406 301,497,406 301,662,682 Deposits from customers - - 232,224,796 232,224,796 232,747,929 Funds from issuance of securities - - 151,622,981 151,622,981 151,101,938 Subordinated debt - - 53,436,792 53,436,792 52,611,064
Detailed information on the Organization's Capital, in compliance with the Prudential Conglomerate	Following is the detailed information on the Organization's Capital, in compliance with the Prudential Conglomerate: Calculation basis - Capital Adequacy Ratio R$ thousand Basel III On December 31 2017 2016 Prudential Tier I capital 80,084,744 78,762,886 Common equity 75,079,777 73,747,016 Shareholders' equity 110,457,476 100,442,413 Minority / Other 68,072 60,615 Prudential adjustments (1) (35,445,771) (26,756,012) Additional Capital 5,004,967 5,015,870 Tier II capital 24,588,090 22,363,950 Subordinated debts (Resolution No. 4.192/13) 16,947,024 9,803,498 Subordinated debts (prior to Resolution No. 4.192/13) 7,641,066 12,560,452 Reference Equity (a) 104,672,834 101,126,836 - Credit risk 554,928,771 589,977,243 - Market risk 8,908,205 15,767,767 - Operational risk 47,605,162 50,443,507 Risk-weighted assets - RWA (b) 611,442,138 656,188,517 Banking Book's Interest Rate Risk 3,527,467 4,142,339 Margin (Capital Buffer) (2) 34,226,583 28,084,702 Basel ratio (a/b) 17.1% 15.4% Tier I capital 13.1% 12.0% - Principal capital 12.3% 11.2% - Additional capital 0.8% 0.8% (1) As per January 2017, the factor applied to prudential adjustments went from 60% to 80%, according to the timeline for application of deductions of prudential adjustments, defined in Article11 of CMN Resolution n o 4,192/13; and (2) Margin = Minimum (PR - PRE; PR Level I - RWA * 6%; PR Principal - RWA * 4.5%) - Additional Principal Capital.
Detailed comparison of the risk-weighted assets (RWA) of the Prudential Conglomerate	Below is the detailed comparison of the risk-weighted assets (RWA) of the Prudential Conglomerate, regulatory approach: RWA R$ thousand On December 31 2017 2016 Prudential Credit risk 554,928,771 589,977,243 Risk Weight of 0% - - Risk Weight of 2% 314,012 271,970 Risk Weight of 20% 2,224,147 10,725,736 Risk Weight of 35% 10,208,602 9,114,590 Risk Weight of 50% 25,635,506 32,434,787 Risk Weight of 75% 114,553,059 117,017,519 Risk Weight of 85% 105,938,759 144,006,730 Risk Weight of 100% 261,909,360 239,369,280 Risk Weight of 250% 28,139,531 27,655,131 Risk Weight of 300% 2,920,531 6,825,567 Risk Weight up to 1,250% 3,085,264 2,555,933 Market Risk (1) 8,908,205 15,767,767 Fixed-rate in Reais 5,696,584 10,537,134 Foreign Currency Coupon 838,259 7,028,051 Price Index Coupon 1,756,973 342,400 Interest Rate Coupon - 13,499 Equities 637,924 67,392 Commodities 449,546 32,466 Exposure to Gold, Foreign Currencies and Exchange 3,657,957 4,194,380 Operational Risk 47,605,162 50,443,507 Corporate Finance 1,369,491 1,380,459 Trading and Sales 1,667,449 2,866,659 Retail 9,308,681 8,349,268 Commercial 21,518,843 20,699,277 Payment and Settlement 6,132,749 10,143,694 Financial Agent Services 3,628,257 3,465,556 Asset Management 3,827,848 3,392,327 Retail Brokerage 151,844 146,266 Total Risk Weighted Assets 611,442,138 656,188,517 Total Capital Requirement 56,558,398 64,798,616 Banking Book's Interest Rate Risk 3,527,467 4,142,339 Addicional Common equity (ACPS) (2) 9,171,632 4,101,178 ACP Conservation 7,643,027 4,101,178 ACP Systemic 1,528,605 - (1) For purposes of calculation of the market risk, the capital requirement will be the lower between the internal model and 80% of the standard model, pursuant to Circular Letter No. 3.646/13 of Central Bank of Brazil; and (2) In 2017, the value of ACP Conservation represents 1.25% of the amount of RWA. The Systemic ACP represents 0.25% of the amount of RWA (Systemic Relevance Factor determined according to Circular Letter No. 3.768 of the CBB - Total Exposure and GDP of the year before last in relation to the base date: R$ 988.5 billion and R$ 6 trillion, respectively. The contracyclical ACP represents 0% of the amount of RWA, pursuant to Communication No. 31.478 of the CBB with disclosure and effectiveness in December/17, where the RWA of the loan risk to the non-banking private sector (RWACPrNB) is R$ 496.2 billion in Brazil.
The sensibility test for Life Insurance with Survival	The sensitivity test for Life Insurance with Survival, Welfare Coverage and Individual Life Insurance was made considering the same bases of the LAT test with variation in the assumptions listed below: R$ thousand On December 31, 2017 Interest rate Longevity Conversion to income Percentage adjustment to each assumption: Variation of +0.2 p.p. + 5 p.p. -5% Tradicional plans (contributing period) (60,733) (5,057) (21,691) PGBL and VGBL (contributing period) (5,446) (504) (18,409) All plans(retirement benefit period) (112,782) (35,507) - Total (178,961) (41,068) (40,100)
For damages, life and health insurance, except individual life	For damages, life and health insurance, except individual life, the table below shows increase in the events/claims were to rise 1 percentage point over the 12 months from the calculation base date. R$ thousand Gross of reinsurance Net of reinsurance On December 31 On December 31 2017 2016 2017 2016 Auto (22,347) (21,205) (22,347) (21,205) RE (Elementary branch) (9,940) (10,809) (8,893) (9,333) Life (28,146) (28,358) (28,050) (28,277) Health (97,923) (89,907) (97,923) (89,907)
Potential exposures are monitored, analyzing	Potential exposures are monitored, analyzing certain concentrations in some type of insurance. The table below shows risk concentration by type of insurance (except health and dental), based on net premiums, net of reinsurance: Net premiums written by type of insurance, net of reinsurance R$ thousand On December 31 2017 2016 Auto 4,086,705 3,924,444 RE (Elementary branch) 1,525,848 1,593,662 Tradicional plans 1,788,420 1,499,401 Life insurance 6,904,576 6,354,034 VGBL 28,650,153 28,377,786 PGBL 3,301,623 2,386,631

Operating segments (Tables)

Operating segments (Tables)	12 Months Ended
	Dec. 31, 2017
Operating segments (Tables) [Abstract]
Information by operating segment, reviewed	Information by operating segment, reviewed by the Organization and corresponding to the years 2017, 2016 and 2015, is shown below: R$ thousand Year ended December 31, 2017 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 46,997,327 1,857,926 1,787,660 50,642,913 Net fee and commission income 24,143,561 787,014 (2,181,747) 22,748,828 Net gains/(losses) on financial instruments classified as held for trading 6,011,351 3,641,626 (29,869) 9,623,108 Net gains/(losses) on financial instruments classified as available for sale (685,560) 713,425 542,493 570,358 Net gain / (loss) on held-to-maturity investments (54,520) - - (54,520) Net gains/(losses) on foreign currency transactions 1,422,957 - - 1,422,957 Net income from insurance and pension plans - 6,239,990 - 6,239,990 Other operating income/(loss) 6,694,228 10,595,041 512,624 17,801,893 Impairment of loans and advances (17,895,929) - 1,035,094 (16,860,835) Personnel expenses (19,261,590) (1,589,077) 127,402 (20,723,265) Other administrative expenses (17,175,352) (1,391,439) 1,684,330 (16,882,461) Depreciation and amortization (5,555,033) (393,618) 1,380,083 (4,568,568) Other operating income/(expenses) (9,282,411) (889,065) 38,119 (10,133,357) Other operating expense (69,170,315) (4,263,199) 4,265,028 (69,168,486) Income before income taxes and share of profit of associates and joint ventures 8,664,801 8,976,782 4,383,565 22,025,148 Share of profit of associates and joint ventures 1,497,268 217,035 4,108 1,718,411 Income before income taxes 10,162,069 9,193,817 4,387,673 23,743,559 Income tax and social contribution (887,289) (4,156,153) (1,385,514) (6,428,956) Net income for the year 9,274,780 5,037,664 3,002,159 17,314,603 Attributable to controlling shareholders 9,272,962 4,812,425 3,003,977 17,089,364 Attributable to non-controlling interest 1,818 225,239 (1,818) 225,239 Total assets 988,063,541 295,699,951 (59,410,052) 1,224,353,440 Investments in associates and joint ventures 6,364,246 1,847,099 46,039 8,257,384 Total liabilities 875,887,257 257,329,282 (26,556,803) 1,106,659,736 R$ thousand Year ended December 31, 2016 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 49,156,109 5,374,229 2,132,651 56,662,989 Net fee and commission income 20,696,785 651,482 (1,007,216) 20,341,051 Net gains/(losses) on financial instruments classified as held for trading 14,918,934 1,250,639 233,197 16,402,770 Net gains/(losses) on financial instruments classified as available for sale (1,417,647) 805,051 (728,804) (1,341,400) Net gains/(losses) on foreign currency transactions 150,757 - - 150,757 Net income from insurance and pension plans - 4,155,763 - 4,155,763 Other operating income/(loss) 13,652,044 6,211,453 (495,607) 19,367,890 Impairment of loans and advances (18,829,460) - 3,479,182 (15,350,278) Personnel expenses (15,733,611) (1,387,935) 117,763 (17,003,783) Other administrative expenses (14,979,689) (1,331,349) 161,475 (16,149,563) Depreciation and amortization (3,786,599) (365,656) 493,842 (3,658,413) Other operating income/(expenses) (14,421,152) 243,631 173,359 (14,004,162) Other operating expense (67,750,511) (2,841,309) 4,425,621 (66,166,199) Income before income taxes and Share of profit of associates and joint ventures 15,754,427 9,395,855 5,055,449 30,205,731 Share of profit of associates and joint ventures 1,538,058 168,691 (7,024) 1,699,725 Income before income taxes 17,292,485 9,564,546 5,048,425 31,905,456 Income tax and social contribution (7,995,420) (3,915,822) (2,001,488) (13,912,730) Net income for the year 9,297,065 5,648,724 3,046,937 17,992,726 Attributable to controlling shareholders 9,293,766 5,550,662 3,049,821 17,894,249 Attributable to non-controlling interest 3,299 98,062 (2,884) 98,477 Total assets 921,916,290 266,642,197 3,471,169 1,192,029,656 Investments in associates and joint ventures 5,512,372 1,416,617 73,789 7,002,778 Total liabilities 821,182,152 266,143,979 (775,682) 1,086,550,449 R$ thousand Year ended December 31, 2015 Banking Insurance, pension and capitalization bonds Other operations (1), adjustments and eliminations Total Net interest income 46,934,849 5,973,694 2,727,499 55,636,042 Net fee and commission income 19,195,003 1,497,890 (2,872,223) 17,820,670 Net gains/(losses) on financial instruments classified as held for trading (7,199,397) (627,343) (425,315) (8,252,055) Net gains/(losses) on financial instruments classified as available for sale (370,947) (353,679) 52,816 (671,810) Net gains/(losses) on foreign currency transactions (3,523,095) - - (3,523,095) Net income from insurance and pension plans - 5,496,147 1,358 5,497,505 Other operating income/(loss) (11,093,439) 4,515,125 (371,141) (6,949,455) Impairment of loans and advances (16,479,985) - 1,758,833 (14,721,152) Personnel expenses (13,103,515) (1,217,211) 262,679 (14,058,047) Other administrative expenses (13,076,913) (1,137,706) 492,649 (13,721,970) Depreciation and amortization (2,752,946) (321,462) 132,405 (2,942,003) Other operating income/(expenses) (11,726,387) (963,525) (298,641) (12,988,553) Other operating expense (57,139,746) (3,639,904) 2,347,925 (58,431,725) Income before income taxes and Share of profit of associates and joint ventures (2,103,333) 8,346,805 1,832,060 8,075,532 Share of profit of associates and joint ventures 1,358,047 166,865 3,139 1,528,051 Income before income taxes (745,286) 8,513,670 1,835,199 9,603,583 Income tax and social contribution 12,621,169 (3,192,918) (793,929) 8,634,322 Net income for the year 11,875,883 5,320,752 1,041,270 18,237,905 Attributable to controlling shareholders 11,874,609 5,215,765 1,042,532 18,132,906 Attributable to non-controlling interest 1,274 104,987 (1,262) 104,999 Total assets 894,579,942 209,789,872 (77,666,292) 1,026,703,522 Investments in associates and joint ventures 4,479,642 1,255,326 80,357 5,815,325 Total liabilities 804,576,173 188,809,573 (57,596,986) 935,788,760 (1) Other operation represents less than 1% of total assets/liabilities and the net income for the year. The main adjustments from the information disclosed in segments columns are related to the difference between the IFRS and the Segment Report Information as impairment for loans and advance and effective interest rate.

Net interest income (Tables)

Net interest income (Tables)	12 Months Ended
	Dec. 31, 2017
Net interest income (Tables) [Abstract]
Net interest income	6. Net interest income R$ thousand Years ended December 31 2017 2016 2015 Interest and similar income Loans and advances to banks 5,073,435 8,689,348 8,349,194 Loans and advances to customers: - Loans 64,767,081 69,530,396 62,472,012 - Leasing transactions 254,009 343,626 444,502 Financial assets: - For trading 13,684,574 23,576,526 13,982,927 - Available for sale 11,351,320 11,572,618 11,629,493 - Held to maturity 4,883,103 6,514,933 5,253,616 Pledged as collateral 21,268,934 21,739,202 20,270,191 Compulsory deposits with the Central Bank 4,881,319 5,667,516 4,587,412 Other financial interest income 68,553 66,210 58,905 Total 126,232,328 147,700,375 127,048,252 Interest and similar expenses Deposits from banks: - Interbank deposits (152,550) (127,617) (74,814) - Funding in the open market (22,564,515) (26,767,039) (23,509,785) - Borrowings and onlending (3,068,552) (3,865,411) (3,092,184) Deposits from customers: - Savings accounts (5,730,457) (6,712,509) (6,450,258) - Time deposits (7,536,161) (8,746,203) (5,942,386) Funds from issuance of securities (13,262,613) (17,124,502) (11,570,606) Subordinated debt (5,100,017) (6,298,555) (4,669,830) Insurance technical provisions and pension plans (18,174,550) (21,395,550) (16,102,347) Total (75,589,415) (91,037,386) (71,412,210) Net interest income 50,642,913 56,662,989 55,636,042

Net fee and commission income (

Net fee and commission income (Tables)	12 Months Ended
	Dec. 31, 2017
Net fee and commission income (Tables) [Abstract]
Net fee and commission income	7. Net fee and commission income R$ thousand Years ended December 31 2017 2016 2015 Fee and commission income Credit cards 6,848,855 6,251,963 5,875,029 Current accounts 6,652,711 6,030,640 4,941,947 Collections 1,965,601 1,777,515 1,573,818 Guarantees 1,570,522 1,438,409 1,265,356 Asset management 1,463,469 1,079,653 1,054,424 Consortium management 1,526,660 1,278,753 1,040,109 Custody and brokerage services 754,966 618,750 556,701 Underwriting 801,219 733,530 540,879 Payments 409,267 373,639 382,427 Other 755,558 758,235 626,183 Total 22,748,828 20,341,087 17,856,873 Fee and commission expenses Financial system services - (36) (36,203) Total - (36) (36,203) Net fee and commission income 22,748,828 20,341,051 17,820,670

Net gains_(losses) on financi57

Net gains/(losses) on financial instruments classified as held for trading (Tables)	12 Months Ended
	Dec. 31, 2017
Net gains/(losses) on financial instruments classified as held for trading (Tables) [Abstract]
Net gains/(losses) on financial instruments classified as held for trading	8. Net gains/(losses) on financial instruments classified as held for trading R$ thousand Years ended December 31 2017 2016 2015 Fixed income securities 9,862,617 4,654,959 (5,174,739) Derivative financial instruments (1,426,160) 10,887,800 (4,267,748) Equity securities 1,186,651 860,011 1,190,432 Total 9,623,108 16,402,770 (8,252,055)

Net gains_(losses) on financi58

Net gains/(losses) on financial instruments classified as available for sale (Tables)	12 Months Ended
	Dec. 31, 2017
Net gains/(losses) on financial instruments classified as available for sale (Tables) [Abstract]
Net gains/(losses) on financial instruments	9. Net gains/(losses) on financial instruments classified as available for sale R$ thousand Years ended December 31 2017 2016 2015 Fixed income securities (1) 49,963 (1,918,595) (346,032) Equity securities (1) 437,054 459,223 (577,401) Dividends received 83,341 117,972 251,623 Total 570,358 (1,341,400) (671,810) (1) Includes impairment losses of R$ 1,729,039 thousand (2016 - R$ 2,106,107 thousand and 2015 - R$ 424,552 thousand).

Net income from insurance and59

Net income from insurance and pension plans (Tables)	12 Months Ended
	Dec. 31, 2017
Net income from insurance and pension plans (Tables) [Abstract]
Net income from insurance and	11. Net income from insurance and pension plans R$ thousand Years ended December 31 2017 2016 2015 Written premiums 65,864,591 62,470,571 55,920,681 Supplemental pension plan contributions 5,090,043 3,679,922 3,795,219 Granted coinsurance premiums (49,715) (70,862) (88,612) Refunded premiums (667,196) (746,244) (522,309) Net written premiums earned 70,237,723 65,333,387 59,104,979 Reinsurance premiums paid (191,088) (306,265) (344,199) Premiums retained from insurance and pension plans 70,046,635 65,027,122 58,760,780 Changes in the provision for insurance (30,435,868) (29,729,884) (25,528,076) Changes in the provision for private pension plans (4,369,903) (3,052,034) (2,757,963) Changes in the technical provisions for insurance and pension plans (34,805,771) (32,781,918) (28,286,039) Reported indemnities (25,924,687) (24,877,804) (21,658,594) Claims expenses (36,068) (119,201) (69,599) Recovery of ceded coinsurance 35,332 65,285 87,053 Recovery of reinsurance 116,913 141,711 407,195 Salvage recoveries 488,057 451,930 402,718 Changes in the IBNR provision (274,509) (204,354) (892,816) Retained claims (25,594,962) (24,542,433) (21,724,043) Commissions on premiums (2,700,131) (2,696,002) (1,985,426) Recovery of commissions 19,334 29,927 21,700 Fees (403,835) (489,279) (1,201,216) Brokerage expenses - private pension plans (153,552) (167,654) (188,037) Changes in deferred commissions (167,728) (224,000) 99,786 Selling expenses for insurance and pension plans (3,405,912) (3,547,008) (3,253,193) Net income from insurance and pension plans 6,239,990 4,155,763 5,497,505

Impairment of loans and advan60

Impairment of loans and advances (Tables)	12 Months Ended
	Dec. 31, 2017
Impairment of loans and advances (Tables) [Abstract]
Impairment of loans and advances	12. Impairment of loans and advances R$ thousand Years ended December 31 2017 2016 2015 Loans and receivables: Impairment losses (25,780,383) (22,357,042) (19,527,976) Recovery of credits charged-off as losses 7,034,857 5,507,507 4,144,879 Reversal of impairment 1,884,691 1,499,257 661,945 Total (16,860,835) (15,350,278) (14,721,152)

Personnel expenses (Tables)

Personnel expenses (Tables)	12 Months Ended
	Dec. 31, 2017
Personnel expenses (Tables) [Abstract]
Personnel expenses	13. Personnel expenses R$ thousand Years ended December 31 2017 2016 2015 Salaries (9,170,556) (8,236,617) (6,369,727) Benefits (5,385,133) (3,625,796) (2,994,155) Social security charges (3,505,290) (2,862,067) (2,402,112) Employee profit sharing (1,572,472) (1,451,310) (1,304,958) Provision for labor claims (927,136) (663,124) (853,660) Training (162,678) (164,869) (133,435) Total (1) (20,723,265) (17,003,783) (14,058,047) (1) Includes the effects of the Special Voluntary Termination Plan (Note 43).

Other administrative expenses (

Other administrative expenses (Tables)	12 Months Ended
	Dec. 31, 2017
Other administrative expenses (Tables) [Abstract]
Other administrative expenses	14. Other administrative expenses R$ thousand Years ended December 31 2017 2016 2015 Outsourced services (4,748,308) (4,871,194) (4,139,058) Communication (1,684,153) (1,653,055) (1,427,685) Data processing (2,117,085) (1,612,454) (1,222,433) Advertising and marketing (942,851) (1,124,659) (963,308) Asset maintenance (1,158,840) (1,060,856) (926,001) Financial system (1,033,017) (1,047,618) (830,199) Rental (1,142,166) (1,027,561) (887,412) Security and surveillance (818,221) (736,547) (606,292) Transport (782,444) (719,842) (631,085) Water, electricity and gas (405,515) (384,069) (339,267) Advances to FGC (Deposit Guarantee Association) (418,670) (355,540) (303,094) Supplies (263,527) (321,509) (315,135) Travel (261,911) (174,772) (157,723) Other (1,105,753) (1,059,887) (973,278) Total (16,882,461) (16,149,563) (13,721,970)

Depreciation and amortization (

Depreciation and amortization (Tables)	12 Months Ended
	Dec. 31, 2017
Depreciation and amortization (Tables) [Abstract]
Depreciation and amortization	15. Depreciation and amortization R$ thousand Years ended December 31 2017 2016 2015 Amortization expenses (3,331,240) (2,516,777) (1,884,281) Depreciation expenses (1,237,328) (1,141,636) (1,057,722) Total (4,568,568) (3,658,413) (2,942,003)

Other operating income_(expen64

Other operating income/(expenses) (Tables)	12 Months Ended
	Dec. 31, 2017
Other operating income/(expenses) (Tables) [Abstract]
Other operating income/(expenses)	16. Other operating income/(expenses) R$ thousand Years ended December 31 2017 2016 2015 Tax expenses (5,960,618) (6,331,651) (4,791,754) Legal provision (1,238,057) (2,927,734) (1,439,460) Variation in monetary liabilities 31,710 (699,719) (597,240) Income from sales of non-current assets, investments, and property and equipment, net (412,957) (467,042) (277,232) Other (1) (2,553,435) (3,578,016) (5,882,867) Total (10,133,357) (14,004,162) (12,988,553) (1) Includes: (i) the effect of the (additions)/reversal of provision for tax contingency in 2017 - R$ 487,269 thousand (2016 - R$ (484,227) thousand and 2015 - R$ (570,835) thousand); (ii) impairment losses in the amount of 2017 - R$ 185,188 thousand (2016 - R$ 31,256 thousand and 2015 - R$ 207,880 thousand); and (iii) operating expense related of insurance operation in 2017 - R$ 1,354,719 thousand (2016 - R$ 1,388,645 thousand and 2015 - R$ 1,281,381 thousand).

Income tax and social contrib65

Income tax and social contribution (Tables)	12 Months Ended
	Dec. 31, 2017
Income tax and social contribution (Tables) [Abstract]
Calculation of income tax and social contribution charges	a) Calculation of income tax and social contribution charges R$ thousand Years ended December 31 2017 2016 2015 Income before income tax and social contribution 23,743,559 31,905,456 9,603,583 Total burden of income tax and social contribution at the current rates (1) (10,684,602) (14,357,455) (4,321,612) Effect of additions and exclusions in the tax calculation: Earnings (losses) of associates and joint ventures 773,285 764,876 687,623 Interest on shareholders' equity (paid and payable) 3,241,955 3,139,102 2,305,695 Net tax credit of deferred liabilities (2) 2,341,220 Other amounts (3) 240,406 (3,459,253) 7,621,396 Income tax and social contribution for the period (6,428,956) (13,912,730) 8,634,322 Effective rate 27.1% 43.6% -89.9% (1) Current rates: (i) 25% for income tax; (ii) of 15% for the social contribution to financial and equated companies, and of the insurance industry, and of 20%, from September 2015 to December 2018, in accordance with Law n o 13,169/15; and (iii) of 9% for the other companies (Note 2w); (2) In 2015, refers to, constitution of deferred tax assets, net of deferred liabilities, related to the increase in the social contribution tax rate, according to Law n o 13,169/15; and (3) Basically, includes, (i) the exchange rate variation of assets and liabilities, derived from investments abroad; (ii) the equalization of the effective rate of social contribution in relation to the rate of 45% shown; and (iii) the deduction incentives.
Composition of income tax and social contribution in the consolidated statement of income	b) Composition of income tax and social contribution in the consolidated statement of income R$ thousand Years ended December 31 2017 2016 2015 Current taxes: Income tax and social contribution payable (8,788,060) (8,852,947) (6,075,948) Deferred taxes: Net Addition/(realization) of temporary differences 2,950,961 (4,106,008) 11,424,595 Use of opening balances of: Social contribution loss (430,584) (647,282) (127,214) Income tax loss (331,512) (879,276) (65,224) Addition on: Social contribution loss 150,371 234,730 272,793 Income tax loss 19,868 338,053 731,419 Activation of the tax credit - Law No. 13,169/15: Social contribution loss - - 422,853 Temporary additions - - 2,051,048 Total deferred tax expense 2,359,104 (5,059,783) 14,710,270 Income tax and social contribution (6,428,956) (13,912,730) 8,634,322
Deferred income tax and social contribution presented in the consolidated statement of financial position	c) Deferred income tax and social contribution presented in the consolidated statement of financial position R$ thousand Balance on December 31, 2016 Amount recorded Realized / Decrease (4) Balance on December 31, 2017 Provisions of impairment of loans and advances 23,011,653 12,264,028 8,771,818 26,503,863 Provision for contingencies 7,351,234 1,782,500 1,907,251 7,226,483 Adjustment to market value of securities 5,488,482 1,724,016 3,268,623 3,943,875 Other 4,681,457 4,773,082 3,644,973 5,809,566 Total tax assets on temporary differences (3) 40,532,826 20,543,626 17,592,665 43,483,787 Income tax and social contribution losses in Brazil and abroad (3) 5,595,729 170,239 762,096 5,003,872 Adjustment to market value of available for sale (3) 493,168 576,732 1,069,900 - Total deferred tax assets (2) 46,621,723 21,290,597 19,424,661 48,487,659 Deferred tax liabilities (2) 3,267,808 3,557,618 817,831 6,007,595 Net deferred taxes (2) 43,353,915 17,732,979 18,606,830 42,480,064 R$ thousand Balance on December 31, 2015 Balance originating from an acquired institution (1) Amount recorded Realized / Decrease Balance on December 31, 2016 Provisions of impairment of loans and advances 22,617,097 3,938,976 12,948,736 16,493,156 23,011,653 Provision for contingencies 5,720,598 1,209,685 2,498,218 2,077,267 7,351,234 Adjustment to market value of securities 7,090,939 109,501 282,741 1,994,699 5,488,482 Other 3,511,581 440,457 3,135,635 2,406,216 4,681,457 Total tax assets on temporary differences (3) 38,940,215 5,698,619 18,865,330 22,971,338 40,532,826 Income tax and social contribution losses in Brazil and abroad (3) 5,761,626 787,878 572,783 1,526,558 5,595,729 Adjustment to market value of available for sale (3) 2,704,484 32,120 393,369 2,636,805 493,168 Social contribution - MP 2,158-35 (change in tax law) 113,783 - - 113,783 - Total deferred tax assets (2) 47,520,108 6,518,617 19,831,482 27,248,484 46,621,723 Deferred tax liabilities (2) 2,894,367 3,592 1,920,479 1,550,630 3,267,808 Net deferred taxes (2) 44,625,741 6,515,025 17,911,003 25,697,854 43,353,915 (1) HSBC Brasil (Note 2a); (2) Deferred income and social contribution tax assets and liabilities are offset in the balance sheet by taxable entity, and were R$ 4,755,748 thousand in 2017 and R$ 1,504,860 thousand in 2016; (3) Deferred tax assets of financial and similar companies and insurance industry were established considering the increase of the social contribution rate, determined by Law 11.727/08 and Law 13.169/15 (Note 2 x); and (4) Includes a write-off of tax credits, in the amount of R$ 150,040 thousand.
Expected realization of deferred tax assets on temporary differences, tax loss and negative basis of social contribution	d) Expected realization of deferred tax assets on temporary differences, tax loss and negative basis of social contribution R$ thousand Temporary differences Income tax and social contribution losses Total Income tax Social contribution Income tax Social contribution 2018 6,189,592 4,778,522 157,668 303,794 11,429,576 2019 6,106,611 3,500,573 143,705 80,058 9,830,947 2020 5,444,841 3,163,487 139,825 78,361 8,826,514 2021 4,408,140 2,609,808 620,279 367,041 8,005,268 2022 2,534,237 1,470,379 732,490 478,318 5,215,424 After 2022 2,100,881 1,176,716 824,042 1,078,291 5,179,930 Total 26,784,302 16,699,485 2,618,009 2,385,863 48,487,659
Deferred tax liabilities	e) Deferred tax liabilities R$ thousand On December 31 2017 2016 Timing differences of depreciation - finance leasing 283,232 381,119 Adjustment to market value of securities 1,215,588 213,404 Judicial deposit and others 4,508,775 2,673,285 Total 6,007,595 3,267,808
Income tax and social contribution on adjustments recognized directly in equity	f) Income tax and social contribution on adjustments recognized directly in equity R$ thousand On December 31, 2017 On December 31, 2016 On December 31, 2015 Before tax Tax (expense)/ benefit Net of tax Before tax Tax (expense)/ benefit Net of tax Before tax Tax (expense)/ benefit Net of tax Financial assets recorded as available for sale 3,418,567 (1,231,202) 2,187,365 6,298,103 (2,587,076) 3,711,027 (5,677,902) 2,273,982 (3,403,920) Exchange differences on translations of foreign operations 23,010 5,992 29,002 (194,566) 87,555 (107,011) 118,485 (57,788) 60,697 Total 3,441,577 (1,225,210) 2,216,367 6,103,537 (2,499,521) 3,604,016 (5,559,417) 2,216,194 (3,343,223)

Earnings per share (Tables)

Earnings per share (Tables)	12 Months Ended
	Dec. 31, 2017
Earnings per share (Tables) [Abstract]
The calculation of basic earnings per share	The calculation of basic earnings per share was calculated based on the weighted average number of common and preferred shares outstanding, as shown in the calculations below: Years ended December 31 2017 2016 (1) 2015 (1) Net earnings attributable to the Organization's common shareholders (R$ thousand) 8,157,920 8,542,147 8,652,905 Net earnings attributable to the Organization's preferred shareholders (R$ thousand) 8,931,444 9,352,102 9,480,001 Weighted average number of common shares outstanding (thousands) 3,049,991 3,049,991 3,050,156 Weighted average number of preferred shares outstanding (thousands) 3,035,625 3,035,625 3,037,917 Basic earnings per share attributable to common shareholders of the Organization (in Reais) 2.67 2.80 2.84 Basic earnings per share attributable to preferred shareholders of the Organization (in Reais) 2.94 3.08 3.12 (1) All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017, in the proportion of one new share for every 10 shares held.

Cash and cash equivalents (Tabl

Cash and cash equivalents (Tables)	12 Months Ended
	Dec. 31, 2017
Cash and cash equivalents (Tables) [Abstract]
Cash and balances with banks	a) Cash and balances with banks R$ thousand On December 31 2017 2016 Cash and due from banks in domestic currency 12,939,852 12,432,290 Cash and due from banks in foreign currency 2,088,498 2,085,650 Compulsory deposits with the Central Bank (1) 66,714,226 58,036,531 Other 375 180 Total 81,742,951 72,554,651 (1) Compulsory deposits with the Brazilian Central Bank refer to a minimum balance that financial institutions must maintain at the Brazilian Central Bank based on a percentage of deposits received from third parties.
Cash and cash equivalents	b) Cash and cash equivalents R$ thousand On December 31 2017 2016 Cash and due from banks in domestic currency 12,939,852 12,432,290 Cash and due from banks in foreign currency 2,088,498 2,085,650 Interbank investments (1) 141,025,717 166,712,307 Other 375 180 Total 156,054,442 181,230,427 (1) Refers to operations with maturity date on the effective date of investment equal to or less than 90 days and insignificant risk of change in the fair value. Of this amount, R$ 123,691,195 thousand (2016 - R$ 84,728,590 thousand) refers to reverse repurchase agreements registered as Financial assets pledged as collateral (Note 23) and R$ 17,334,522 thousand (2016 - R$ 81,983,717 thousand) as Loans and advances to banks.

Financial assets and liabilit68

Financial assets and liabilities held for trading (Tables)	12 Months Ended
	Dec. 31, 2017
Financial assets and liabilities held for trading (Tables) [Abstract]
Financial assets held for trading	a) Financial assets held for trading R$ thousand On December 31 2017 2016 Financial assets Brazilian government securities 202,249,272 161,103,399 Bank debt securities 8,348,269 18,600,127 Corporate debt and marketable equity securities 12,339,790 10,383,682 Mutual funds 4,377,508 4,303,781 Brazilian sovereign bonds 307 1,358,025 Foreign governments securities 528,010 635,390 Derivative financial instruments 13,866,885 16,755,442 Total 241,710,041 213,139,846
Maturity	Maturity R$ thousand On December 31 2017 2016 Maturity of up to one year 31,617,538 35,002,911 Maturity of one to five years 146,527,365 134,589,655 Maturity of five to 10 years 53,763,561 29,299,698 Maturity of over 10 years 2,409,723 6,537,358 Maturity not stated 7,391,854 7,710,224 Total 241,710,041 213,139,846
Financial liabilities held for trading	b) Financial liabilities held for trading R$ thousand On December 31 2017 2016 Derivative financial instruments 14,274,999 13,435,678 Total 14,274,999 13,435,678
The breakdown of the notional and/or contractual values and the fair value of derivatives held for trading	The breakdown of the notional and/or contractual values and the fair value of derivatives held for trading by the Organization is as follows: R$ thousand Notional amounts Asset/(liability) On December 31 On December 31 2017 2016 2017 2016 Futures contracts • Interest rate futures Purchases 96,081,180 111,026,397 3,586 9,022 Sales 132,837,699 94,677,587 (154,188) (19,163) • In foreign currency Purchases 48,376,597 27,399,904 1,243 - Sales 67,238,635 58,690,018 (1,003) - • Other Purchases 163,224 48,291 162 - Sales 113,772 967 (114) - Options • Interest rates Purchases 10,663,668 5,467,042 101,214 260,565 Sales 9,616,129 4,755,788 (535,748) (193,768) • In foreign currency Purchases 7,335,027 7,567,515 605,028 57,533 Sales 10,274,094 2,836,294 (409,587) (62,356) • Other Purchases 443,443 27,500 34,013 2,708 Sales 228,141 - (20,188) (6,533) Forward operations • In foreign currency Purchases 10,372,477 16,633,033 218,019 1,599,401 Sales 14,947,271 18,036,706 (358,995) (1,088,041) • Other Purchases 114,020 48,911 497,987 1,586,061 Sales 635,522 1,588,245 (147,138) (1,581,169) Swap contracts • Asset position Interest rate swaps 56,636,856 72,297,999 11,065,095 9,799,949 Currency swaps 6,161,641 7,276,143 1,340,538 3,645,707 • Liability position Interest rate swaps 31,454,647 36,746,464 (11,030,003) (3,718,282) Currency swaps 14,288,568 14,201,872 (1,618,035) (6,766,366)

Financial assets available fo69

Financial assets available for sale (Tables)	12 Months Ended
	Dec. 31, 2017
Financial assets available for sale (Tables) [Abstract]
Financial assets available for sale	21. Financial assets available for sale R$ thousand Amortized cost Gross unrealized gains Gross unrealized losses Fair value Brazilian government securities 101,822,760 1,881,077 (422,079) 103,281,758 Corporate debt securities 40,875,928 836,715 (1,734,013) 39,978,630 Bank debt securities 1,251,066 169,142 (236,355) 1,183,853 Brazilian sovereign bonds 719,494 27,326 (18,693) 728,127 Foreign governments securities 3,210,554 175 (8,182) 3,202,547 Marketable equity securities and other stocks 11,302,834 620,896 (885,923) 11,037,807 Balance on December 31, 2017 159,182,636 3,535,331 (3,305,245) 159,412,722 Brazilian government securities 58,484,065 1,323,156 (609,193) 59,198,028 Corporate debt securities 43,821,686 1,011,275 (2,690,253) 42,142,708 Bank debt securities 1,626,211 121,745 (188,913) 1,559,043 Brazilian sovereign bonds 395,626 7,319 (1,731) 401,214 Marketable equity securities and other stocks 9,966,872 389,291 (538,602) 9,817,561 Balance on December 31, 2016 114,294,460 2,852,786 (4,028,692) 113,118,554
Maturity	Maturity R$ thousand On December 31, 2017 On December 31, 2016 Amortized cost Fair value Amortized cost Fair value Due within one year 31,635,369 31,167,067 12,690,168 11,905,872 From 1 to 5 years 83,579,399 83,816,085 60,071,806 60,251,675 From 5 to 10 years 16,004,079 16,363,350 19,677,065 18,994,970 Over 10 years 16,660,955 17,028,413 11,888,549 12,148,476 No stated maturity 11,302,834 11,037,807 9,966,872 9,817,561 Total 159,182,636 159,412,722 114,294,460 113,118,554

Investments held to maturity (T

Investments held to maturity (Tables)	12 Months Ended
	Dec. 31, 2017
Investments held to maturity (Tables) [Abstract]
Investments held to maturity	22. Investments held to maturity R$ thousand Amortized cost Gross unrealized gains Gross unrealized losses Fair value Securities: Brazilian government securities 26,738,940 2,442,844 (6,489) 29,175,295 Corporate debt securities 12,259,564 126,092 (421,874) 11,963,782 Brazilian sovereign bonds 7,614 - (420) 7,194 Balance on December 31, 2017 39,006,118 2,568,936 (428,783) 41,146,271 Securities: Brazilian government securities 30,241,947 2,918,273 (306,566) 32,853,654 Corporate debt securities 12,739,187 28,750 (1,388,614) 11,379,323 Brazilian sovereign bonds 20,894 878 - 21,772 Balance on December 31, 2016 43,002,028 2,947,901 (1,695,180) 44,254,749
Maturity	Maturity R$ thousand On December 31, 2017 On December 31, 2016 Amortized cost Fair value Amortized cost Fair value Due within one year 29,412 28,998 - - From 1 to 5 years 10,284,940 11,070,179 12,932,440 13,133,746 From 5 to 10 years 1,933,866 1,840,428 3,068,980 2,905,497 Over 10 years 26,757,900 28,206,666 27,000,608 28,215,506 Total 39,006,118 41,146,271 43,002,028 44,254,749

Financial assets pledged as c71

Financial assets pledged as collateral (Tables)	12 Months Ended
	Dec. 31, 2017
Financial assets pledged as collateral (Tables) [Abstract]
Financial assets pledged as collateral	23. Financial assets pledged as collateral R$ thousand On December 31 2017 2016 Held for trading 801,182 6,282,141 Brazilian government securities 801,182 6,282,141 Available for sale (1) 59,482,796 64,275,415 Brazilian government securities 53,039,884 55,530,423 Corporate debt securities 825,287 3,899,878 Bank debt securities 4,904,070 4,742,273 Brazilian sovereign bonds 713,555 102,841 Held to maturity - 431 Brazilian government securities - 431 Loans and advances to banks 123,691,195 84,728,590 Interbank investments (2) 123,691,195 84,728,590 Total 183,975,173 155,286,577 (1) In 2017, includes unrealized gains of R$ 3,246,351 thousand (2016 - R$ 2,052,366 thousand) and unrealized losses of R$ 557,974 thousand (2016 - R$ 1,443,642 thousand); and (2) Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement.

Loans and advances to banks (Ta

Loans and advances to banks (Tables)	12 Months Ended
	Dec. 31, 2017
Loans and advances to banks (Tables) [Abstract]
Loans and advances to banks	24. Loans and advances to banks R$ thousand On December 31 2017 2016 Repurchase agreements 21,045,591 85,178,146 Loans to financial institutions 11,207,614 9,667,388 Impairment of loans and advances (5,481) (7,398) Total 32,247,724 94,838,136

Loans and advances to custome73

Loans and advances to customers (Tables)	12 Months Ended
	Dec. 31, 2017
Loans and advances to customers (Tables) [Abstract]
Loans and advances to customers	25. Loans and advances to customers R$ thousand On December 31 2017 2016 Working capital 52,700,584 60,390,890 Personal credit (1) 60,570,146 56,255,740 Housing loans 59,963,375 60,458,038 Financing and export 38,272,982 41,983,307 Onlending BNDES/Finame 30,655,666 35,816,560 Credit card 37,568,984 37,407,733 Vehicle loans 24,741,298 23,699,948 Rural loans 13,642,478 14,422,799 Import 5,318,042 7,140,346 Overdraft for corporates 6,587,239 8,583,285 Receivable insurance premiums 4,301,472 5,517,932 Overdraft for individuals 3,582,020 4,209,637 Leasing 2,249,859 2,738,611 Other 33,659,520 33,459,047 Total portfolio 373,813,665 392,083,873 Impairment of loans and advances (27,055,566) (24,780,839) Total of net loans and advances to customers 346,758,099 367,303,034 (1) Includes in 2017 R$ 43,968,511 thousand related to payroll loans (2016 - R$ 38,804,196 thousand).
Allowance for loans and advances to customers	Allowance for loans and advances to customers R$ thousand 2017 2016 At the beginning of the year 24,780,839 25,455,204 Impairment of loans and advances 16,860,835 15,350,278 Recovery of credits charged-off as losses 7,034,857 5,507,507 Write-offs (21,620,965) (21,532,150) At the end of the year 27,055,566 24,780,839
Loans and advances to customers include the following finance lease receivables	Loans and advances to customers include the following finance lease receivables. R$ thousand On December 31 2017 2016 Gross investments in financial leases receivable: Up to one year 1,118,286 1,418,546 From one to five years 1,082,149 1,279,347 Over five years 49,424 40,718 Impairment loss on finance leases (146,812) (186,594) Net investment 2,103,047 2,552,017 Net investments in finance leases: Up to one year 1,034,188 1,300,659 From one to five years 1,021,089 1,212,322 Over five years 47,770 39,036 Total 2,103,047 2,552,017

Non-current assets held for s74

Non-current assets held for sale (Tables)	12 Months Ended
	Dec. 31, 2017
Non-current assets held for sale (Tables) [Abstract]
Non-current assets held for sale	26. Non-current assets held for sale R$ thousand On December 31 2017 2016 Assets not for own use Real estate 1,250,380 1,262,126 Vehicles and similar 262,774 308,357 Machinery and equipment 2,037 5,529 Other 5,782 2,954 Total 1,520,973 1,578,966

Investments in associates and75

Investments in associates and joint ventures (Tables)	12 Months Ended
	Dec. 31, 2017
Investments in associates and joint ventures (Tables) [Abstract]
Breakdown of investments in associates and joint ventures	a. Breakdown of investments in associates and joint ventures Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. (2) 30.06% 30.06% 4,832,660 1,219,202 76,403,596 13,151,540 71,020,292 6,833,491 2,561,394 4,056,077 IRB - Brasil Resseguros S.A. (3) (4) 15.23% 15.23% 543,025 182,432 8,512,491 6,124,173 10,138,711 947,514 3,550,438 1,197,846 Fleury S.A. (3) (6) 16.28% 16.28% 692,380 46,791 1,389,026 2,224,500 615,510 1,263,331 2,609,717 287,414 Aquarius Participações S.A. (7) 49.00% 49.00% 263,630 116,070 242,617 532,707 237,305 - 38 236,878 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 105,649 (22,637) 3,588,848 1,283,453 3,565,394 726,468 5,432,770 (113,185) Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 118,781 16,530 285,871 118,394 33,305 8,320 61,185 39,498 NCR Brasil Indústria de Equipamentos para Automação S.A. (3) (9) 49.00% 49.00% 46,039 4,108 221,809 28,788 141,520 - 1,270 8,384 Tecnologia Bancária S.A. (3) 24.32% 24.32% 108,752 10,209 242,480 75,702 590,872 496,090 2,534,235 41,973 Swiss Re Corporate Solutions Brasil (Nota 43-5) (3) 40.00% 40.00% 463,400 (26,437) 2,178,209 1,511,924 2,411,600 437,278 490,079 (66,093) Gestora de Inteligência de Crédito S.A. (Nota 43-1) (3) 20.00% 20.00% 29,513 (4,642) 118,961 43,253 18,594 - - (23,210) Other (3) - - 7,129 2,361 - - - - - - Total investments in associates 7,210,958 1,543,987 93,183,908 25,094,434 88,773,103 10,712,492 17,241,126 5,665,582 Elo Participações S.A. (10) 50.01% 50.01% 978,195 162,070 420,804 1,776,837 96,763 3,967 18,708 324,075 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 68,231 12,393 339,236 119,406 324,764 - 161,107 24,786 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% - (39) 2,198 1,612 2 3,881 227 (78) Total investments in joint ventures 1,046,426 174,424 762,238 1,897,855 421,529 7,848 180,042 348,783 Total on December 31, 2017 8,257,384 1,718,411 93,946,146 26,992,289 89,194,631 10,720,340 17,421,168 6,014,365 Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. 30.06% 30.06% 4,108,743 1,204,520 13,699,378 10,654,621 15,004,712 - 392,167 4,007,233 IRB - Brasil Resseguros S.A. (3) (4) 20.51% 20.51% 662,460 132,668 8,484,793 5,828,133 10,238,221 844,876 3,185 646,823 Fleury S.A. (3) (6) 16.39% 16.39% 651,906 17,506 1,343,162 2,021,981 429,411 1,166,607 2,045,898 106,829 Aquarius Participações S.A. (7) 49.00% 49.00% 263,632 73,640 150,233 538,267 150,474 - - 150,286 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 127,922 1,596 8,187,596 493,325 8,041,309 - 4,243,442 7,980 Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 102,251 18,517 247,475 109,390 44,890 - 22,642 44,246 Tecnologia Bancária S.A. (3) 24.32% 24.32% 98,543 71,232 193,546 1,117,398 499,341 406,459 686,800 292,862 NCR Brasil Indústria de Equipamentos para Automação S.A. (3) 49.00% 49.00% 73,789 (7,024) 171,823 27,780 111,755 - 330,985 (14,335) Empresa Brasileira de Solda Elétrica S.A. (3) (9) - - - 3,168 - - - - - - Total investments in associates 6,089,246 1,515,823 32,478,006 20,790,895 34,520,113 2,417,942 7,725,119 5,241,924 Elo Participações S.A. 50.01% 50.01% 849,355 198,457 352,179 1,596,527 107,627 - 18,879 396,835 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 64,174 8,721 443,978 3,883 317,298 - 164,026 17,442 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% 3 (49) 3,538 - 3,532 - 256 (98) Leader S.A. Adm. de Cartões de Crédito (3) (8) - - - (23,227) - - - - - Total investments in joint ventures 913,532 183,902 799,695 1,600,410 428,457 - 183,161 414,179 Total on December 31, 2016 7,002,778 1,699,725 33,277,701 22,391,305 34,948,570 2,417,942 7,908,280 5,656,103 Companies R$ thousand Equity interest Shareholding interest with voting rights Investment book value Equity in net income (loss) Associates and joint ventures current assets Associates and joint ventures non - current assets Associates and joint ventures current liabilities Associates and joint ventures non - current liabilities Revenue (1) Associates and joint ventures net income (loss) for the year Cielo S.A. 30.06% 30.06% 3,302,071 1,043,743 13,755,540 10,806,140 8,199,287 9,696,767 239,386 3,472,355 IRB - Brasil Resseguros S.A. (3) (4) 20.51% 20.51% 658,949 138,165 8,922 5,768 10,639 785 3,144 673,650 Fleury S.A. (6) 16.39% 16.39% 512,642 6,262 1,124,788 268,829 299,033 1,408,157 1,845 38,206 Fidelity Processadora S.A. (7) 49.00% 49.00% 254,785 68,312 450,267 402,702 332,997 - 19,546 139,412 Haitong Banco de Investimento do Brasil S.A. 20.00% 20.00% 130,248 (5,377) 7,227,947 563,950 7,140,656 - 13,834,551 (26,886) Cia. Brasileira de Gestão e Serviços S.A. 41.85% 41.85% 83,735 17,660 203,030 93,487 35,986 1,590 13,247 42,197 NCR Brasil S.A. (3) 49.00% 49.00% 80,357 7,101 206,315 27,146 134,533 - 71,177 14,492 Empresa Brasileira de Solda Elétrica S.A. (3) 49.00% 49.00% 33,954 (5,769) 101,151 48,161 47,519 32,499 115,874 (11,774) Integritas Participações S.A. (3) (5) - - - 4,778 10,647 741,803 2,534 4,066 828 18,983 Total investments in associates 5,056,741 1,274,875 23,088,607 12,957,986 16,203,184 11,143,864 14,299,598 4,360,635 Elo Participações S.A. 50.01% 50.01% 686,951 243,073 223,332 1,438,988 144,169 15 14,669 486,049 Crediare S.A. - Crédito, Financiamento e Investimento 50.00% 50.00% 65,030 10,400 439,594 4,301 312,036 - 158,124 20,800 MPO - Processadora de Pagamentos Móveis S.A. 50.00% 50.00% 6,551 716 380,801 11,362 379,061 - 313,065 1,432 Leader S.A. Adm. de Cartões de Crédito (3) (8) 50.00% 50.00% 52 (1,013) 2,920 278 3,095 - 1,790 (2,026) Total investments in joint ventures 758,584 253,176 1,046,647 1,454,929 838,361 15 487,648 506,255 Total on December 31, 2015 5,815,325 1,528,051 24,135,254 14,412,915 17,041,545 11,143,879 14,787,246 4,866,890 (1) Revenues from financial intermediation or services; (2) Brazilian company, services provider related to credit and debit cards and other means of payment. In 2017, the Organization received R$ 582,483 thousand of dividends and interest on capital of this investment. In financial statements, Cielo S.A. presented R$ 8,814 thousand of other comprehensive income; (3) Companies for which the equity accounting adjustments are calculated using statements of financial position and statements of income with lag in relation to the reporting date of these consolidated financial statements; (4) Bradesco has a board member at IRB-Brasil with voting rights, which results in significant influence; (5) Partial spin-off in October, 2015; (6) Participation in Fleury S.A. (i) due to the partial spin-off of Integritas Participações S.A. and, (ii) recorded using equity method as Bradesco has significant influence due its paticipation on the Board of the Directors and other committes; (7) In January 2016, Aquarius Participações S.A. was endowed with the contribution of the investment of Fidelity Processadora e Serviços S.A.; (8) In April 2016, it was consolidated after acquisition of 50% of the company; (9) In 2017, impairment losses were recognized in associates and joint control companies, in the amount of R$ 31,868 thousand, on the investment in NCR Brasil S.A. (In 2016, R$ 37,122 on the investment in EBSE - Empresa Brasileira de Solda Elétrica S.A.); and (10) Brazilian company, holding company that consolidates joint business related to electronic means of payment. In 2017, the Organization received R$ 46,820 thousand of dividends from this investment. In its financial statements, Elo Participações S.A. presented R$ 8,109 thousand of other comprehensive income.
Changes in associates	b. Changes in associates R$ thousand 2017 2016 Initial balances 7,002,778 5,815,325 Acquisitions (1) 524,155 376,434 Spin-off of associates (2) (170,006) - Transfer (3) 5,953 (166,294) Equity in net income of associates 1,718,411 1,699,725 Dividends/Interest on capital (802,662) (655,920) Impairment (4) (31,868) (37,122) Other 10,623 (29,370) At the end of the year 8,257,384 7,002,778 (1) In 2017, it includes the acquisition of interest in (i) Swiss Re Corporate Solutions Brasil; and in (ii) GIC - Gestora de Inteligência de Crédito (In 2016, there was capital increase in Cia. Leader S.A. Administradora de Cartões de Crédito); (2) Disposal partial sale of the IRB (Note 43-6); (3) In 2016, the investment of Cia. Leader S.A. Administradora de Cartões de Crédito began to be consolidated after acquisition of 50% of the company; and (4) In 2017, there were losses on impairment in affiliates and joint ventures, in the amount of R$ 31,868 thousand (R$ 37,122 thousand - 2016).

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
	Dec. 31, 2017
Property and equipment (Tables) [Abstract]
Composition of property and equipment by class	a) Composition of property and equipment by class R$ thousand Annual rate Cost Accumulated depreciation Net Buildings 4% 2,153,407 (483,266) 1,670,141 Land - 982,720 - 982,720 Installations, properties and equipment for use 10% 5,450,939 (2,667,455) 2,783,484 Security and communication systems 10% 349,228 (213,879) 135,349 Data processing systems 20% 3,950,625 (2,329,028) 1,621,597 Transportation systems 20% 86,705 (48,246) 38,459 Financial leasing of data processing systems 20% 3,431,868 (2,231,143) 1,200,725 Balance on December 31, 2017 16,405,492 (7,973,017) 8,432,475 Buildings 4% 2,153,351 (454,426) 1,698,925 Land - 1,027,535 - 1,027,535 Installations, properties and equipment for use 10% 5,187,160 (2,314,715) 2,872,445 Security and communication systems 10% 325,835 (192,974) 132,861 Data processing systems 20% 3,504,229 (2,067,981) 1,436,248 Transportation systems 20% 86,639 (40,034) 46,605 Financial leasing of data processing systems 20% 3,229,513 (2,047,016) 1,182,497 Balance on December 31, 2016 15,514,262 (7,117,146) 8,397,116
Change in property and equipment by class	b) Change in property and equipment by class R$ thousand Buildings Land Installations, properties and equipment for use Security and communications systems Data processing systems (1) Transportation systems Total Balance on December 31, 2016 1,698,925 1,027,535 2,872,445 132,861 2,618,745 46,605 8,397,116 Additions 117,888 41,777 754,606 31,134 947,314 4,926 1,897,645 Write-offs (53,151) (86,592) (323,217) (2,540) (86,469) (100) (552,069) Impairment (73,568) - (502) (1,836) (3,288) - (79,194) Depreciation (28,840) - (521,663) (24,270) (649,583) (12,972) (1,237,328) Transfer 8,887 - 1,815 - (4,397) - 6,305 Balance on December 31, 2017 1,670,141 982,720 2,783,484 135,349 2,822,322 38,459 8,432,475 Balance on December 31, 2015 582,602 448,020 2,788,330 59,086 1,556,160 70,237 5,504,435 Balance originating from an acquired institution (2) 752,619 586,971 320,949 77,196 60,065 - 1,797,800 Additions 81,809 897 974,089 22,721 1,696,318 3,487 2,779,321 Write-offs (30,341) (8,353) (402,316) (4,804) (62,386) (1,627) (509,827) Impairment - - - - (20,543) (12,434) (32,977) Depreciation (30,179) - (466,192) (21,338) (610,869) (13,058) (1,141,636) Transfer 342,415 - (342,415) - - - - Balance on December 31, 2016 1,698,925 1,027,535 2,872,445 132,861 2,618,745 46,605 8,397,116 (1) Includes financial lease of data processing systems; and (2) HSBC Brasil.

Intangible assets and goodwill

Intangible assets and goodwill (Tables)	12 Months Ended
	Dec. 31, 2017
Intangible assets and goodwill (Tables) [Abstract]
Change in intangible assets and goodwill by class	a) Change in intangible assets and goodwill by class R$ thousand Goodwill Intangible Assets Acquisition of financial service rights (1) Software (1) Customer portfolio (1) Other (1) Total Balance on December 31, 2016 4,945,313 2,503,457 3,945,244 4,358,923 44,589 15,797,526 Additions/(reductions) - 2,549,335 1,203,313 - (8,944) 3,743,704 Impairment (3) - - (30,683) - - (30,683) Amortization - (1,000,894) (1,327,456) (1,000,234) (2,656) (3,331,240) Balance on December 31, 2017 4,945,313 4,051,898 3,790,418 3,358,689 32,989 16,179,307 Balance on December 31, 2015 723,526 2,260,033 3,639,825 709,463 76,788 7,409,635 Balance originating from an acquired institution (2) 4,221,787 264,349 288,826 3,993,743 4,840 8,773,545 Additions/(reductions) - 930,190 1,284,041 - 129,266 2,343,497 Impairment (3) - - (212,374) - - (212,374) Amortization - (951,115) (1,055,074) (344,283) (166,305) (2,516,777) Balance on December 31, 2016 4,945,313 2,503,457 3,945,244 4,358,923 44,589 15,797,526 (1) Rate of amortization: acquisition of banking rights - in accordance with contract agreement; software - 20%; Customer portfolio - up to 20%; and others - 20%; (2) HSBC Brasil; and (3) Impairment losses were recognized in the consolidated statement of income, within “Other operating income/(expenses)”.
Composition of goodwill by segment	b) Composition of goodwill by segment R$ thousand On December 31 2017 2016 Banking 4,651,347 4,651,347 Insurance, pension and capitalization bonds 293,966 293,966 Total 4,945,313 4,945,313

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Dec. 31, 2017
Other assets (Tables) [Abstract]
Other assets	30. Other assets R$ thousand On December 31 2017 2016 Foreign exchange transactions (1)(4) 17,279,327 17,455,821 Debtors for guarantee deposits (2)(4) 17,840,698 16,372,044 Negotiation and intermediation of securities (4) 1,741,524 1,954,484 Trade and credit receivables (4) 3,016,225 1,813,144 Deferred acquisition cost (insurance) - Note 35f 1,070,108 1,750,244 Other debtors 3,736,743 2,781,206 Prepaid expenses 1,244,602 1,324,362 Income receivable (4) 1,841,709 1,575,698 Interbank and interdepartmental accounts 1,480,291 949,730 Other (3) 1,602,760 1,193,637 Total 50,853,987 47,170,370 (1) Mainly refers to purchases in foreign currency made by the institution on behalf of customers and rights in the institution's domestic currency, resulting from exchange sale operations; (2) Refers to deposits resulting from legal or contractual requirements, including guarantees provided in cash, such as those made for the filing of appeals in departments or courts and those made to guarantee services of any nature; (3) Includes basically trade and credit receivables, material supplies, other advances and payments to be reimbursed; and (4) Financial assets are recorded at amortized cost.

Deposits from banks (Tables)

Deposits from banks (Tables)	12 Months Ended
	Dec. 31, 2017
Deposits from banks (Tables) [Abstract]
Composition by nature	Composition by nature R$ thousand On December 31 2017 2016 Demand deposits 1,030,292 898,877 Interbank deposits 2,168,625 588,872 Securities sold under agreements to repurchase 233,467,544 241,978,931 Borrowings 18,521,713 22,165,415 Onlending 30,769,294 36,030,587 Total 285,957,468 301,662,682

Deposits from customers (Tables

Deposits from customers (Tables)	12 Months Ended
	Dec. 31, 2017
Deposits from customers (Tables) [Abstract]
Composition by nature	Composition by nature R$ thousand On December 31 2017 2016 Demand deposits 33,058,324 32,521,234 Savings deposits 103,332,697 97,088,828 Time deposits 125,617,424 103,137,867 Total 262,008,445 232,747,929

Funds from securities issued (T

Funds from securities issued (Tables)	12 Months Ended
	Dec. 31, 2017
Funds from securities issued (Tables) [Abstract]
Composition by type of security issued and location	a) Composition by type of security issued and location R$ thousand On December 31 2017 2016 Instruments Issued - Brazil: Real estate credit notes 27,020,911 26,955,574 Agribusiness notes 10,973,682 9,116,292 Financial bills 93,570,141 108,512,908 Subtotal 131,564,734 144,584,774 Securities - Overseas: Euronotes (1) 634,549 2,785,654 Securities issued through securitization - (item (b)) 2,606,322 3,286,342 Subtotal 3,240,871 6,071,996 Structured Operations Certificates 368,485 445,168 Total 135,174,090 151,101,938
The amounts of the securities issued by the SPE	We show below the amounts of the securities issued by the SPE, which appear in the “Funding from issuance of securities” line item: R$ thousand Date of Issue Nominal amount Maturity On December 31 2017 2016 Securitization of the future flow of payment orders received from abroad 06,3,2008 836,000 22,5,2017 - 87,183 19,12,2008 1,168,500 20,2,2019 348,524 698,551 17,12,2009 89,115 20,2,2020 49,594 74,487 20,8,2010 307,948 21,8,2017 - 60,938 29,9,2010 170,530 21,8,2017 - 34,810 16,11,2011 88,860 20,11,2018 26,068 60,989 16,11,2011 133,290 22,11,2021 139,678 177,095 23,12,2015 390,480 21,11,2022 330,311 348,110 23,12,2015 390,480 20,11,2020 318,934 348,662 02,2,2016 889,725 22,2,2021 871,260 872,710 30,3,2016 533,835 22,2,2021 521,953 522,807 Total 4,998,763 2,606,322 3,286,342 (1) Prepaid.

Subordinated debt (Tables)

Subordinated debt (Tables)	12 Months Ended
	Dec. 31, 2017
Subordinated debt (Tables) [Abstract]
Composition of subordinated debt	a) Composition of subordinated debt On December 31 - R$ thousand Original term in years Nominal amount 2017 2016 In Brazil: Subordinated CDB: 2019 10 20,000 62,303 56,200 Financial bills: 2017 (1) 6 8,630,999 - 11,075,463 2018 6 8,262,799 10,130,108 9,875,551 2019 6 21,858 36,139 33,402 2017 (1) 7 40,100 - 95,872 2018 7 141,050 316,757 293,357 2019 7 3,172,835 3,436,734 3,423,463 2020 7 1,700 2,801 2,612 2022 7 4,305,011 5,597,559 5,050,633 2023 7 1,359,452 1,699,872 1,522,243 2024 (2) 7 67,450 73,861 - 2018 8 50,000 119,417 112,038 2019 8 12,735 28,184 25,212 2020 8 28,556 54,383 49,498 2021 8 1,236 2,027 1,896 2023 8 1,706,846 2,265,488 2,015,625 2024 8 136,695 159,205 143,415 2025 (2) 8 6,193,653 6,624,611 - 2021 9 7,000 13,125 11,813 2024 9 4,924 6,611 5,806 2025 9 400,944 457,679 417,641 2021 10 19,200 40,429 37,191 2022 10 54,143 99,338 91,314 2023 10 688,064 1,070,085 1,011,423 2025 10 284,137 392,376 342,886 2026 10 361,196 438,776 392,886 2027 (2) 10 258,743 273,498 - 2026 11 3,400 4,271 4,001 2027 11 47,046 53,996 48,566 2028 (2) 11 74,764 77,079 - Perpetual - 5,000,000 5,004,967 5,015,870 Subtotal in Brazil 38,541,679 41,155,877 Overseas: 2019 10 1,333,575 2,520,963 2,482,631 2022 10 1,886,720 3,697,115 5,333,373 2021 11 2,766,650 5,419,644 3,639,183 Subtotal overseas 11,637,722 11,455,187 Total (3) 50,179,401 52,611,064 (1) Subordinated debt transactions that matured in 2017; and (2) New issuances of financial bills in 2017, referring to subordinated debt.
Net movement of subordinated debt	b) Net movement of subordinated debt R$ thousand 2017 2016 Initial balances 52,611,064 50,282,936 Balance originating from an acquired institution - 1,401,348 Issuances 6,594,610 3,787,207 Interest 5,100,017 6,298,555 Payments and other (14,126,290) (9,158,982) At the end of the year 50,179,401 52,611,064

Insurance technical provision83

Insurance technical provisions and pension plans (Tables)	12 Months Ended
	Dec. 31, 2017
Insurance technical provisions and pension plans (Tables) [Abstract]
Technical provisions by account	a) Technical provisions by account R$ thousand Insurance (1) Life and Pension (2)(3) Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Current and long-term liabilities Mathematical reserve for unvested benefits 1,051,507 912,764 207,818,859 184,594,055 208,870,366 185,506,819 Mathematical reserve for vested benefits 265,727 210,855 9,367,712 8,989,482 9,633,439 9,200,337 Reserve for claims incurred but not reported (IBNR) 3,159,967 2,770,507 1,030,107 1,264,115 4,190,074 4,034,622 Unearned premium reserve 4,068,716 4,265,155 567,369 574,544 4,636,085 4,839,699 Reserve for unsettled claims 4,291,432 4,645,468 1,588,489 1,682,147 5,879,921 6,327,615 Reserve for financial surplus - - 514,199 554,505 514,199 554,505 Other technical provisions 1,996,206 2,048,355 3,369,300 3,328,048 5,365,506 5,376,403 Total reserves 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (1) “Other technical provisions” - Insurance basically refers to the technical provisions of the “personal health” portfolio; (2) Includes personal insurance and pension plans; and (3) “Other technical provisions” - Life and Pension Plan mainly includes the “Reserve for redemption and other amounts to be settled”, “Reserve for related expenses”.
Technical provisions by product	b) Technical provisions by product R$ thousand Insurance Life and Pension (1) Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Health 9,754,024 8,559,137 - - 9,754,024 8,559,137 Auto / Liability Insurance 3,156,847 3,126,232 - - 3,156,847 3,126,232 DPVAT (Personal Injury Caused by Automotive Vehicles) 506,161 471,288 3,100 2,944 509,261 474,232 Life - - 10,018,884 9,336,759 10,018,884 9,336,759 RE (Elementary branch) 1,416,523 2,696,447 - - 1,416,523 2,696,447 Free Benefits Generating Plan - PGBL - - 35,087,618 32,605,459 35,087,618 32,605,459 Free Benefits Generating Life - VGBL - - 158,746,205 138,670,739 158,746,205 138,670,739 Tradicional plans - - 20,400,228 20,370,995 20,400,228 20,370,995 Total technical provisions 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (1) Includes personal and pension insurance operations.
Technical provisions by aggregated products	c) Technical provisions by aggregated products R$ thousand On December 31 2017 2016 Insurance - Vehicle, Elementary Lines, Life and Health 24,855,539 24,192,807 Insurance - Life with Survival Coverage (VGBL) 158,746,205 138,670,739 Pensions - PGBL and Traditional Plans 47,623,322 45,557,528 Pensions - Risk Traditional Plans 7,864,524 7,418,926 Total 239,089,590 215,840,000
Insurance - Vehicle, General, Life, Health and Pension (Risk on Traditional Plans)	(i) Insurance - Vehicle, General, Life, Health and Pension (Risk on Traditional Plans) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 31,611,733 27,844,231 (-) DPVAT insurance (473,579) (333,699) Subtotal at beginning of the year 31,138,154 27,510,532 Additions, net of reversals 28,542,623 28,700,765 Payment of claims, benefits and redemptions (27,156,197) (26,449,844) Adjustment for inflation and interest 648,898 1,376,701 Partial spin-off of large risk portfolio (961,513) - Subtotal at end of the period 32,211,965 31,138,154 (+) DPVAT insurance 508,098 473,579 At the end of the year 32,720,063 31,611,733
Insurance - Life with Survival Coverage (VGBL)	(ii) Insurance - Life with Survival Coverage (VGBL) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 138,670,739 106,248,597 Receipt of premiums net of fees 28,577,437 35,824,651 Payment of benefits (28,758) (47,379) Payment of redemptions (18,985,242) (16,674,828) Adjustment for inflation and interest 13,468,401 14,660,738 Others (2,956,372) (1,341,040) At the end of the year 158,746,205 138,670,739
Pensions - PGBL and Traditional Plans	(iii) Pensions - PGBL and Traditional Plans R$ thousand Years ended December 31 2017 2016 At the beginning of the year 45,557,528 36,848,112 Receipt of premiums net of fees 3,446,148 7,412,759 Payment of benefits (759,949) (696,056) Payment of redemptions (2,962,505) (2,438,351) Adjustment for inflation and interest 3,656,452 4,808,394 Others (1,314,352) (377,330) At the end of the year 47,623,322 45,557,528
Guarantees for the technical provisions	e) Guarantees for the technical provisions R$ thousand Insurance Life and pension plans Total On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 Total technical provisions 14,833,555 14,853,104 224,256,035 200,986,896 239,089,590 215,840,000 (-) Deferred acquisition cost PPNG reducers (138,780) (237,104) - - (138,780) (237,104) (-) Portion corresponding to contracted reinsurance (153,137) (947,159) (14,123) (41,191) (167,260) (988,350) (-) Deposits retained at IRB and court deposits - (16) - - - (16) (-) Receivables (925,999) (1,068,329) - - (925,999) (1,068,329) (-) Unearned premium reserve - Health and dental insurance (1) (1,268,243) (1,182,152) - - (1,268,243) (1,182,152) (-) Reserves from DPVAT agreements (502,491) (465,568) - - (502,491) (465,568) To be insured 11,844,905 10,952,776 224,241,912 200,945,705 236,086,817 211,898,481 Investment fund quotas (VGBL and PGBL) (2) - - 190,639,798 168,337,785 190,639,798 168,337,785 Investment fund quotas (excluding VGBL and PGBL) 5,076,006 7,164,637 21,639,087 23,273,027 26,715,093 30,437,664 Government securities 9,011,657 5,882,012 18,608,194 14,187,009 27,619,851 20,069,021 Private securities 18,203 93,287 164,338 169,440 182,541 262,727 Shares 3,227 2,325 1,716,401 1,728,856 1,719,628 1,731,181 Total technical provision guarantees 14,109,093 13,142,261 232,767,818 207,696,117 246,876,911 220,838,378 (1) Deduction provided for in article 4 of Normative Resolution ANS no. 392/15; and (2) The investment funds "VGBL" and "PGBL" were consolidated in the financial statements.
Changes in deferred acquisition cost (insurance assets)	f) Changes in deferred acquisition cost (insurance assets) R$ thousand Years ended December 31 2017 2016 At the beginning of the year 1,750,244 1,945,238 Additions 1,586,888 1,940,226 Reversals (2,250,844) (2,135,220) Partial spin-off of large risk portfolio (16,180) - At the end of the year 1,070,108 1,750,244
Changes in reinsurance assets	g) Changes in reinsurance assets R$ thousand Years ended December 31 2017 2016 At the beginning of the year 1,186,194 1,144,506 Additions 186,867 667,908 Reversals (139,641) (485,724) Recovered insurance losses (259,433) (173,908) Adjustment for inflation and interest (411) 43,790 Other (1) (754,362) (10,378) At the end of the year 219,214 1,186,194 (1) Includes the transfer of part of the operation of the large risk portfolio (Note 43).
Insurance, Vehicle/RCF and Elementary Lines - Claims, gross reinsurance	Insurance, Vehicle/RCF and Elementary Lines - Claims, gross reinsurance (1) R$ thousand Year claims were notified Up to 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for the claims: · In the year after notification 4,482,979 1,152,371 2,058,559 2,414,674 2,647,298 3,134,409 3,020,829 3,708,479 4,160,984 3,821,255 3,481,275 - · One year after notification 4,679,108 1,108,270 2,037,365 2,394,609 2,626,356 3,035,716 2,848,361 3,456,642 4,028,967 3,640,897 - - · Two years after notification 4,711,861 1,088,069 2,018,329 2,387,075 2,604,738 3,021,698 2,809,942 3,464,389 3,989,904 - - - · Three years after notification 4,783,290 1,094,795 2,015,921 2,403,020 2,604,061 3,041,626 2,839,210 3,436,234 - - - - · Four years after notification 4,845,834 1,102,364 2,046,000 2,418,649 2,600,194 3,071,989 2,813,496 - - - - - · Five years after notification 4,902,275 1,102,595 2,044,644 2,428,252 2,625,442 2,888,296 - - - - - - · Six years after notification 4,956,618 1,127,609 2,056,612 2,431,363 2,621,044 - - - - - - - · Seven years after notification 4,982,993 1,140,708 2,072,169 2,419,614 - - - - - - - - · Eight years after notification 5,028,742 1,158,436 2,057,911 - - - - - - - - - · Nine years after notification 5,074,360 1,149,106 - - - - - - - - - - · Ten years after notification 5,086,824 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 5,086,824 1,149,106 2,057,911 2,419,614 2,621,044 2,888,296 2,813,496 3,436,234 3,989,904 3,640,897 3,481,275 33,584,601 Payments of claims (5,064,293) (1,022,199) (2,042,673) (2,390,739) (2,586,371) (2,835,738) (2,753,035) (3,355,681) (3,879,707) (3,491,476) (2,766,457) (32,188,369) Outstanding Claims 22,531 126,907 15,238 28,875 34,673 52,558 60,461 80,553 110,197 149,421 714,818 1,396,232
Insurance, Vehicle/RCF and Elementary Lines - Claims, net reinsurance	Insurance, Vehicle/RCF and Elementary Lines - Claims, net reinsurance (1) R$ thousand Year claims were notified Up to 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for net claims for reinsurance: · In the year after notification 4,049,408 859,651 1,791,249 2,260,194 2,440,426 2,804,706 2,815,311 3,523,133 3,805,260 3,661,006 3,443,486 - · One year after notification 4,107,420 846,124 1,773,092 2,235,404 2,417,095 2,695,513 2,648,135 3,306,665 3,695,713 3,541,988 - - · Two years after notification 4,157,532 835,214 1,766,152 2,232,926 2,401,407 2,696,091 2,622,005 3,317,745 3,671,224 - - - · Three years after notification 4,225,589 844,636 1,769,942 2,251,003 2,418,057 2,705,326 2,658,925 3,323,339 - - - - · Four years after notification 4,285,309 850,115 1,791,739 2,268,293 2,425,973 2,729,230 2,659,375 - - - - - · Five years after notification 4,338,449 857,121 1,797,090 2,281,206 2,452,938 2,746,804 - - - - - - · Six years after notification 4,390,840 868,958 1,810,770 2,291,650 2,459,251 - - - - - - - · Seven years after notification 4,426,256 873,978 1,822,466 2,292,651 - - - - - - - - · Eight years after notification 4,466,917 884,796 1,824,085 - - - - - - - - - · Nine years after notification 4,510,383 890,132 - - - - - - - - - - · Ten years after notification 4,527,764 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 4,527,764 890,132 1,824,085 2,292,651 2,459,251 2,746,804 2,659,375 3,323,339 3,671,224 3,541,988 3,443,486 31,380,099 Payments of claims (4,505,614) (880,207) (1,809,102) (2,265,943) (2,424,679) (2,694,553) (2,599,885) (3,243,342) (3,563,269) (3,393,389) (2,736,036) (30,116,019) Liquid outstanding claims for reinsurance 22,150 9,925 14,983 26,708 34,572 52,251 59,490 79,997 107,955 148,599 707,450 1,264,080
Life - Insurance claims, gross reinsurance	Life - Insurance claims, gross reinsurance (1) R$ thousand Year claims were notified Up 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Total Amount estimated for net claims for reinsurance: · In the year after notification 1,987,288 987,998 1,062,753 1,185,750 1,403,227 1,448,969 1,509,781 1,536,697 1,653,008 1,741,563 1,771,294 - · One year after notification 2,004,988 1,000,730 1,082,779 1,183,274 1,386,518 1,431,243 1,491,911 1,568,941 1,648,842 1,755,802 - - · Two years after notification 2,038,732 1,020,530 1,105,401 1,195,472 1,393,915 1,447,741 1,525,941 1,570,227 1,644,051 - - - · Three years after notification 2,075,972 1,018,008 1,100,970 1,185,871 1,406,376 1,450,511 1,514,898 1,495,266 - - - - · Four years after notification 2,079,897 1,017,316 1,109,079 1,198,856 1,406,472 1,454,750 1,516,747 - - - - - · Five years after notification 2,081,301 1,015,902 1,119,669 1,198,607 1,416,009 1,459,181 - - - - - - · Six years after notification 2,086,778 1,017,807 1,118,181 1,197,508 1,417,352 - - - - - - - · Seven years after notification 2,068,574 1,021,908 1,112,583 1,189,843 - - - - - - - - · Eight years after notification 2,076,228 1,024,349 1,115,707 - - - - - - - - - · Nine years after notification 2,094,047 1,020,756 - - - - - - - - - - · Ten years after notification 2,140,849 - - - - - - - - - - - Estimate of claims on the reporting date (2017) 2,140,849 1,020,756 1,115,707 1,189,843 1,417,352 1,459,181 1,516,747 1,495,266 1,644,051 1,755,802 1,771,294 16,526,848 Payments of claims (2,074,102) (1,003,673) (1,098,409) (1,151,732) (1,361,271) (1,398,760) (1,428,669) (1,307,155) (1,337,199) (1,499,651) (1,280,837) (14,941,458) Liquid outstanding claims for reinsurance 66,747 17,083 17,298 38,111 56,081 60,421 88,078 188,111 306,852 256,151 490,457 1,585,390 (1) The claims table does not include the products Health and Dental insurance - R$ 2,906,361 thousand, DPVAT insurance - R$ 86,592 thousand, Retrocession - R$ 21,722 thousand and salvage and reimbursement estimates - R$ (163,923) thousand.

Supplemental pension plans (Tab

Supplemental pension plans (Tables)	12 Months Ended
	Dec. 31, 2017
Supplemental pension plans (Tables) [Abstract]
In addition to this benefit, Bradesco and its subsidiaries offer other benefits to their employees and administrators, including health insurance, dental care, life and personal accident insurance, and professional training	In addition to this benefit, Bradesco and its subsidiaries offer other benefits to their employees and administrators, including health insurance, dental care, life and personal accident insurance, and professional training. These expenses, including the aforementioned contributions, totaled the amount of R$ 5,594,368 thousand in the year ending December 31, 2017 (2016 - R$ 3,826,715 thousand). R$ thousand Years ended December 31 2017 2016 (i) Projected benefit obligations: At the beginning of the year 2,141,393 1,162,005 Balance from an acquired institution - 761,119 Cost of current service 186 (1,077) Interest cost 227,980 181,595 Participant's contribution 1,197 2,831 Actuarial gain/(loss) 144,624 182,762 Benefit paid (192,042) (147,842) At the end of the year 2,323,338 2,141,393 (ii) Plan assets comprise: At the beginning of the year 2,127,872 1,047,782 Balance from an acquired institution - 883,858 Expected earnings 423,546 307,728 Contributions received: Employer 14,957 33,515 Employees 1,197 2,831 Benefit paid (192,043) (147,842) At the end of the year 2,375,529 2,127,872 (iii) Financial position: Plans in deficit (149,571) (130,293) Plans in surplus 201,762 116,772 Net balance 52,191 (13,521)
The net cost/(benefit) of the pension plans	The net cost/(benefit) of the pension plans recognized in the consolidated statement of income includes the following components: R$ thousand Years ended December 31 2017 2016 2015 Projected benefit obligations: Cost of service 186 (1,077) (579) Cost of interest on actuarial obligations 227,980 181,595 133,385 Expected earnings from the assets of the plan (227,360) (174,937) (120,960) Net cost/(benefit) of the pension plans 806 5,581 11,846
Benefit obligations and net periodic benefit cost	Benefit obligations and net periodic benefit cost for the years 2017 and 2016 for our subsidiaries, were determined using the following assumptions: On December 31 2017 2016 Discount rate (1) 8.5% - 10% p.a. 11.1% p.a. Expected long-term rate of return on the assets 8.5% - 10% p.a. 11.1% p.a. Increase in salary levels 4.3% p.a. 4.8% p.a. (1) In 2017, considering an inflation rate of 4.3% p.a. and a real discount rate of 4.0% - 5.5% p.a. (2016 - 4.8% and 6.0% p.a., respectively).
The assets of pension plans	The assets of pension plans are invested in compliance with the applicable legislation (government securities and private securities, listed company shares and real estate properties) and the weighted-average allocation of the pension plan's assets by category is as follows: Assets of the Alvorada Plan Assets of the Bradesco Plan Assets of the Kirton Plan Assets of the Losango Plan On December 31 On December 31 On December 31 On December 31 2017 2016 2017 2016 2017 2016 2017 2016 Asset categories Equities - - 4.7% 3.9% - - 17.3% 18.8% Fixed income 92.7% 93.1% 90.6% 91.3% 100.0% 100.0% 82.7% 81.2% Real estate 5.7% 5.3% 2.6% 2.7% - - - - Other 1.6% 1.6% 2.1% 2.1% - - - - Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
The sensitivity analysis of the benefit plan obligations	Below is the sensitivity analysis of the benefit plan obligations, showing the impact on the actuarial exposure (8.5 - 10.0% p.a.) assuming a 1 b.p. change in the discount rate: Discount rate Sensitivity Analysis Effect on actuarial liabilities Effect on the present value of the obligations 9.5% - 11.0% p.a. Increase of 1 p.p. reduction (256,532) 7.5% - 9.0% p.a. Decrease of 1 b.p. increase 303,154

Provisions, contingent liabil85

Provisions, contingent liabilities and contingent assets (Tables)	12 Months Ended
	Dec. 31, 2017
Provisions, contingent liabilities and contingent assets (Tables) [Abstract]
Changes in other provision	d) Changes in other provision R$ thousand Labor Civil Tax and Social Security (1) (2) Balance on December 31, 2016 5,101,732 5,003,440 8,187,237 Indexation charges 637,263 484,447 500,719 Additions, net of reversals 1,002,559 830,642 (984,342) Payments (1,186,758) (971,966) (114,246) Balance on December 31, 2017 5,554,796 5,346,563 7,589,368 Balance on December 31, 2015 3,048,442 4,202,950 8,112,925 Indexation charges 454,045 409,236 705,036 Additions, net of reversals 876,816 1,310,333 (1,236,705) Balance originating from an acquired institution (3) 1,684,370 544,997 703,967 Payments (961,941) (1,464,076) (97,986) Balance on December 31, 2016 5,101,732 5,003,440 8,187,237 (1) Mainly include legal liabilities; (2) In 2017, there were reversals of provisions related to: (i) the PIS process, related to the remuneration of amounts unduly paid, in the amount of R$ 268,729 thousand; (ii) IRPJ / CSLL on credit losses, in the amount of R$ 408,730 thousand; and (iii) Favorable decision in the process of social security contribution on the remuneration paid to accredited dentists (INSS of Self-employed), in the amount of R$ 348,820 thousand and in 2016, there were reversals of a provisions relating to: i) the process of INSS of the self-employed of the Bradesco Saúde subsidiary, in the amount of R$ 1,081,528 thousand; ii) to the Pis process - EC 17, in the amount of R$ 242,242 thousand; and iii) offset by the provision for social security contributions on transfers to private pension plans, in the amount of R$ 215,668 thousand; and (3) HSBC Brasil.

Other liabilities (Tables)

Other liabilities (Tables)	12 Months Ended
	Dec. 31, 2017
Other liabilities (Tables) [Abstract]
Other liabilities	38. Other liabilities R$ thousand On December 31 2017 2016 Financial liabilities Credit card transactions (1) 26,163,066 23,717,936 Foreign exchange transactions (2) 17,085,029 17,975,291 Loan assignment obligations 8,454,076 8,761,827 Capitalization bonds 7,562,974 7,502,158 Securities trading 2,317,155 2,569,881 Liabilities for acquisition of assets - financial leasing (Note 38 a) 857,212 1,063,649 Other liabilities Third party funds in transit (3) 7,211,038 7,068,452 Provision for payments 8,743,428 6,997,168 Sundry creditors 3,205,800 8,843,035 Social and statutory 4,524,457 4,631,237 Other taxes payable 1,466,306 1,528,980 Liabilities for acquisition of assets and rights 1,480,777 1,452,568 Other 8,745,506 4,853,333 Total 97,816,824 96,965,515 (1) Refers to amounts payable to merchants; (2) Mainly refers to the institution's sales in foreign currency to customers and its right's in domestic currency, resulting from exchange sale operations; and (3) Mainly refers to payment orders issued domestically and the amount of payment orders in foreign currency coming from overseas.
Composition by maturity of financial leases and details of operating leases	a) Composition by maturity of financial leases and details of operating leases R$ thousand On December 31 2017 2016 Due within one year 564,337 578,965 From 1 to 2 years 256,327 375,073 From 2 to 3 years 36,548 109,611 Total 857,212 1,063,649

Equity (Tables)

Equity (Tables)	12 Months Ended
	Dec. 31, 2017
Equity (Tables) [Abstract]
Composition of share capital in number of shares	The share capital, which is fully subscribed and paid, is divided into registered shares with no par value. On December 31 2017 2016 (1) Common 3,054,481,112 3,054,481,112 Preferred 3,054,480,793 3,054,480,793 Subtotal 6,108,961,905 6,108,961,905 Treasury (common shares) (5,032,549) (5,032,549) Treasury (preferred shares) (18,855,746) (18,855,746) Total outstanding shares 6,085,073,610 6,085,073,610
Changes in capital stock, in number of shares	ii. Changes in capital stock, in number of shares Common Preferred Total Number of shares outstanding on December 31, 2015 (1) 3,050,040,493 3,035,625,047 6,085,665,540 Shares acquired and not canceled (591,930) (591,930) Number of shares outstanding on December 31, 2016 (1) 3,049,448,563 3,035,625,047 6,085,073,610 Number of shares outstanding on December 31, 2017 3,049,448,563 3,035,625,047 6,085,073,610

Transactions with related par88

Transactions with related parties (Tables)	12 Months Ended
	Dec. 31, 2017
Transactions with related parties (Tables) [Abstract]
The main transactions with related parties	The main transactions with related parties are presented as follows: R$ thousand Controllers (1) Associates and Jointly controlled companies (2) Key Management Personnel (3) Total On December 31 2017 2016 2017 2016 2017 2016 2017 2016 Assets Loans and advances to banks - - 724,369 1,033,479 - - 724,369 1,033,479 Other assets - - 3,572 6,128 - - 3,572 6,128 Liabilities Deposits from customers 931,141 1,374,940 103,734 62,928 87,213 86,594 1,122,088 1,524,462 Funds from issuance of securities 6,632,932 5,755,615 244,082 398,549 1,405,203 823,527 8,282,217 6,977,691 Social and statutory 2,275,419 1,770,149 - - - - 2,275,419 1,770,149 Other liabilities - - 8,827,877 13,704 - - 8,827,877 13,704
Main transactions with related parties	R$ thousand Controllers (1) Associates and Jointly controlled companies (2) Key Management Personnel (3) Total Years ended December 31 2017 2016 2015 2017 2016 2015 2017 2016 2015 2017 2016 2015 Revenues and expenses Net interest income (887,059) (1,129,931) (78,813) 40,671 (41,814) (426) (84,818) (108,333) (88,344) (931,206) (1,280,078) (167,583) Other revenues - - - 441,381 360,286 337,070 - - - 441,381 360,286 337,070 Other expenses (2,652) (2,391) (2,160) (289,100) (224,444) (246,504) - - - (291,752) (226,835) (248,664) (1) Cidade de Deus Cia. Cial. de Participações, Fundação Bradesco, NCF Participações S.A., Titanium Holdings S.A., BBD Participações S.A. and Nova Cidade de Deus Participações S.A.; (2) Companies listed in Note 2; and (3) Members of the Board of Directors and the Board of Executive Officers.
Short-term benefits for management	Short-term benefits for management R$ thousand Years ended December 31 2017 2016 2015 Salaries 456,262 441,592 309,864 Total 456,262 441,592 309,864
Post-employment benefits	Post-employment benefits R$ thousand Years ended December 31 2017 2016 2015 Defined contribution supplementary pension plans 473,663 251,250 311,670 Total 473,663 251,250 311,670
Together directly, members of the Board of Directors and Board of the Executive Officers had the following shareholding	Together directly, members of the Board of Directors and Board of the Executive Officers had the following shareholding in Bradesco: On December 31 2017 2016 Common shares 0.5% 0.7% Preferred shares 1.0% 1.1% Total shares (1) 0.8% 0.9% (1) In December 31, 2017, direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers in Bradesco totaled 2.3% of common shares, 1.1% of preferred shares and 1.7% of all shares (2016 - 2.8% of common shares, 1.2% of preferred shares and 2.0% of all shares).

Off-balance sheet commitments (

Off-balance sheet commitments (Tables)	12 Months Ended
	Dec. 31, 2017
Off-balance sheet commitments (Tables) [Abstract]
Total risk represented by off-balance sheet commitments	The table below summarizes the total risk represented by off-balance sheet commitments: R$ thousand On December 31 2017 2016 Commitments to extend credit (1) 203,927,816 237,019,535 Financial guarantees (2) 78,867,348 78,949,483 Letters of credit for imports 294,229 329,015 Total 283,089,393 316,298,033 (1) Includes available lines of credit, limits for credit cards, personal loans, housing loans and overdrafts; and (2) Refers to guarantees mostly provided for Corporate customers.

New standards and amendments 90

New standards and amendments and interpretations of existing standards (Tables)	12 Months Ended
	Dec. 31, 2017
New standards and amendments and interpretations of existing standards (Tables) [Abstract]
Additional allowance for loan losses	The Organization believes that impairment losses will increase and become more volatile than the current ones, for the assets assessed in the model of IFRS 9. Based on the methodology of allowance for loan losses adopted, the Organization estimated, on current best estimates, that the application of the impairment requirements of IFRS 9 on January 1, 2018 would result in additional allowance for loan losses, as described in the table below: R$ millions Provision for additional estimated credit losses on January 1, 2018 Credit portfolio (1) 3,829 Securities 842 Total gross additional provisions 4,671 (1) includes commitments and financial guarantees provided
On current best estimates, provides information on the estimated exposure to loan risk and expected loan losses and advances, commitments, financial collaterals provided and Private Debt Securities	The table below, on current best estimates, provides information on the estimated exposure to loan risk and expected loan losses and advances, commitments, financial collaterals provided and Private Debt Securities, on January 1, 2018. R$ millions Estimated Exposure to Credit Risk Expected Loss Expected Loss on Estimated Exposure to Credit Risk Stage 1 432,416 7,688 2% Stage 2 51,853 7,581 15% Stage 3 37,277 17,779 48% Total 521,546 33,048 6%

Significant Accounting Polici91

Significant Accounting Policies (Details 1) R$ in Thousands	Dec. 31, 2016BRL (R$)
Balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil)
Cash and cash equivalents	R$ 8476708	[1]
Desposits with the central banks	14,895,767	[1]
Loans and advances	67,714,569	[1]
Financial assets held for trading	20,881,824	[1]
Financial assets available for sale	23,745,717	[1]
Investments held to maturity	35,861	[1]
Property and equipment, net of accumulated depreciation	1,797,800	[1]
Intangible assets	4,551,758	[1]
Other assets	26,657,391	[1]
Deposits from banks	(7,808,801)	[1]
Deposits from customers	(56,766,587)	[1]
Financial liabilities held for trading	(3,790,048)	[1]
Funds from securities issued	(40,251,806)	[1]
Subordinated debt	(1,401,348)	[1]
Provisions	(3,429,291)	[1]
Other liabilities	(42,242,831)	[1]
Sub-total	13,066,683	[1]
Goodwill	4,221,787	[1]
Fair value of the consideration transferred	17,288,470	[1]
Accounting
Balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil)
Cash and cash equivalents	8,476,708
Desposits with the central banks	14,895,767
Loans and advances	69,364,585
Financial assets held for trading	20,881,824
Financial assets available for sale	23,745,717
Investments held to maturity	13,450
Property and equipment, net of accumulated depreciation	1,175,554
Intangible assets	558,015
Other assets	25,808,692
Deposits from banks	(7,808,801)
Deposits from customers	(56,766,587)
Financial liabilities held for trading	(3,790,048)
Funds from securities issued	(40,187,105)
Subordinated debt	(1,401,348)
Provisions	(3,429,291)
Other liabilities	(42,242,831)
Sub-total	9,294,301
Fair value of the consideration transferred	9,294,301
Adjustments
Balance sheet for the acquisition with HSBC Bank and HSBC Serviços (HSBC Brasil)
Loans and advances	(1,650,016)
Investments held to maturity	22,411
Property and equipment, net of accumulated depreciation	622,246
Intangible assets	3,993,743
Other assets	848,699
Funds from securities issued	(64,701)
Goodwill	R$ 4221787
[1]	Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition.

Significant Accounting Polici92

Significant Accounting Policies (Details 2) R$ in Thousands	Dec. 31, 2016BRL (R$)
Acquisition-date fair value of total consideration transferred [abstract]
Payment to HSBC Latin America Holding Limited, net of adjustment after closure	R$ 15665367	[1]
Adjustment to the cost acquisition related to the fair value of the firm commitment	1,623,103	[2]
Fair value of the consideration transferred	R$ 17288470	[3]
[1]	Includes the IOF collection, and withholding Income Tax; and
[2]	Includes the results from changes to the fair value of the firm commitment attributable to the hedged risk that was recognized in the statement in the financial position hired with the objective of protecting the effects of exchange rate variation of the firm commitment, though the use of a hedging instrument derivative.
[3]	Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition.

Significant Accounting Polici93

Significant Accounting Policies (Details 3) R$ in Thousands	12 Months Ended
	Dec. 31, 2016BRL (R$)
Value Of The Investment Recorded By Bradesco Includes Goodwill In The Acquisition Of Shares [Abstract]
Shareholders' equity acquired	R$ 9294301
Fair value of assets acquired and liabilities assumed	(221,361)
Intangible assets acquired	3,993,743
Goodwill	4,221,787	[1]
Fair value of the consideration transferred	R$ 17288470	[1]
[1]	Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition.

Significant Accounting Polici94

Significant Accounting Policies (Details 4)		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Banco Alvorada S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Alvorada S.A.	Banco Alvorada S.A.
Activity		Banking	Banking
Country		Brazil	Brazil
Shareholding interest (%)		99.99%	99.99%
Banco Bradesco Financiamentos S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradesco Financiamentos S.A.	Banco Bradesco Financiamentos S.A.
Activity		Banking	Banking
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Banco Boavista Interatlântico S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[1]	Banco Boavista Interatlântico S.A.	Banco Boavista Interatlântico S.A.
Activity	[1]	Banking	Banking
Country	[1]	Brazil	Brazil
Shareholding interest (%)	[1]	0.00%	100.00%
Banco Bradesco Argentina S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradesco Argentina S.A.	Banco Bradesco Argentina S.A.
Activity		Banking	Banking
Country		Argentina	Argentina
Shareholding interest (%)		99.99%	99.99%
Banco Bradesco Europa S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradesco Europa S.A.	Banco Bradesco Europa S.A.
Activity		Banking	Banking
Country		Luxembourg	Luxembourg
Shareholding interest (%)		100.00%	100.00%
Banco Bradesco BERJ S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradesco BERJ S.A.	Banco Bradesco BERJ S.A.
Activity		Banking	Banking
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Banco Bradescard S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradescard S.A.	Banco Bradescard S.A.
Activity		Cards	Cards
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Banco Bradesco BBI S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[1]	Banco Bradesco BBI S.A.	Banco Bradesco BBI S.A.
Activity	[1]	Investment Bank	Investment Bank
Country	[1]	Brazil	Brazil
Shareholding interest (%)	[1]	99.85%	99.81%
Banco Bradesco Cartões S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Bradesco Cartões S.A.	Banco Bradesco Cartões S.A.
Activity		Cards	Cards
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Administradora de Consórcios Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[2]	Bradesco Administradora de Consórcios Ltda.	Bradesco Administradora de Consórcios Ltda.
Activity	[2]	Consortium Management	Consortium Management
Country	[2]	Brazil	Brazil
Shareholding interest (%)	[2]	100.00%	100.00%
Bradseg Participações S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradseg Participações S.A.	Bradseg Participações S.A.
Activity		Holding	Holding
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Auto/RE Cia. de Seguros
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Auto/RE Cia. de Seguros	Bradesco Auto/RE Cia. de Seguros
Activity		Insurance	Insurance
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Capitalização S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Capitalização S.A.	Bradesco Capitalização S.A.
Activity		Capitalization bonds	Capitalization bonds
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Odontoprev S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Odontoprev S.A.	Odontoprev S.A.
Activity		Dental care	Dental care
Country		Brazil	Brazil
Shareholding interest (%)		50.01%	50.01%
Bradesco Leasing S.A. Arrendamento Mercantil
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Leasing S.A. Arrendamento Mercantil	Bradesco Leasing S.A. Arrendamento Mercantil
Activity		Leasing	Leasing
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Ágora Corretora de Títulos e Valores Mobiliários S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Ágora Corretora de Títulos e Valores Mobiliários S.A.	Ágora Corretora de Títulos e Valores Mobiliários S.A.
Activity		Brokerage	Brokerage
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco S.A. Corretora de Títulos e Valores Mobiliários
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco S.A. Corretora de Títulos e Valores Mobiliários	Bradesco S.A. Corretora de Títulos e Valores Mobiliários
Activity		Brokerage	Brokerage
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Saúde S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Saúde S.A.	Bradesco Saúde S.A.
Activity		Insurance / Health	Insurance / Health
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Seguros S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Seguros S.A.	Bradesco Seguros S.A.
Activity		Insurance	Insurance
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Vida e Previdência S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Vida e Previdência S.A.	Bradesco Vida e Previdência S.A.
Activity		Pension plan/Insurer	Pension plan/Insurer
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesplan Participações Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesplan Participações Ltda.	Bradesplan Participações Ltda.
Activity		Holding	Holding
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
BRAM - Bradesco Asset Management S.A. DTVM
Main subsidiaries included in the consolidated financial statements
Subsidiarie		BRAM - Bradesco Asset Management S.A. DTVM	BRAM - Bradesco Asset Management S.A. DTVM
Activity		Asset Management	Asset Management
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Tempo Serviços Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Tempo Serviços Ltda.	Tempo Serviços Ltda.
Activity		Services	Services
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
União Participações Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		União Participações Ltda.	União Participações Ltda.
Activity		Holding	Holding
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Banco Losango S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Banco Losango S.A.	Banco Losango S.A.
Activity		Banking	Banking
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Kirton Administradora de Consórcios Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[2]	Kirton Administradora de Consórcios Ltda.	Kirton Administradora de Consórcios Ltda.
Activity	[2]	Consortium management	Consortium management
Country	[2]	Brazil	Brazil
Shareholding interest (%)	[2]	0.00%	100.00%
kirton Bank Brasil S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		kirton Bank Brasil S.A.	kirton Bank Brasil S.A.
Activity		Banking	Banking
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A.	Bradesco Kirton Corretora de Títulos e Valores Mobiliários S.A.
Activity		Brokerage	Brokerage
Country		Brazil	Brazil
Shareholding interest (%)		99.97%	99.97%
Kirton Capitalização S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[3]	Kirton Capitalização S.A.	Kirton Capitalização S.A.
Activity	[3]	Capitalization bonds	Capitalization bonds
Country	[3]	Brazil	Brazil
Shareholding interest (%)	[3]	100.00%	99.97%
Kirton Seguros S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[4],[5]	Kirton Seguros S.A.	Kirton Seguros S.A.
Activity	[4],[5]	Insurance	Insurance
Country	[4],[5]	Brazil	Brazil
Shareholding interest (%)	[4],[5]	98.54%	98.08%
Kirton Vida e Previdência S.A.
Main subsidiaries included in the consolidated financial statements
Subsidiarie		Kirton Vida e Previdência S.A.	Kirton Vida e Previdência S.A.
Activity		Pension plan/Insurer	Pension plan/Insurer
Country		Brazil	Brazil
Shareholding interest (%)		100.00%	100.00%
Kirton Participações e Investimentos Ltda.
Main subsidiaries included in the consolidated financial statements
Subsidiarie	[4]	Kirton Participações e Investimentos Ltda.	Kirton Participações e Investimentos Ltda.
Activity	[4]	Holding	Holding
Country	[4]	Brazil	Brazil
Shareholding interest (%)	[4]	0.00%	100.00%
[1]	In November, 2017, Banco Boavista Interatlântico S.A. was merged into Banco Bradesco BBI S.A. with an increase in subscription for shares;
[2]	In May 2017, Kirton Administradora de Consórcios Ltda. was merged into Bradesco Administradora de Consórcios Ltda.;
[3]	Increase in interest, by means of acquisition of shares held by minority shareholders;
[4]	Company merged into Kirton Seguros S.A., in July 2017.
[5]	Increase in interest by means of subscription of shares in July 2017; and

Significant Accounting Polici95

Significant Accounting Policies (Details Text) - BRL (R$) R$ in Thousands		1 Months Ended	12 Months Ended			40 Months Ended
		Aug. 31, 2015	Dec. 31, 2019	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2018	Dec. 31, 2015
Significant Accounting Policies (Details Text)
Acquisition - Equity of HSBC Bank Brasil S.A. (“HSBC Bank”) and HSBC Serviços e Participações Ltda. (“HSBC Serviços”).							100.00%
Goodwill	[1]				R$ 4221787
The projected average loss ratio				42.00%
The projected average loss ratio - Extended Guarantee segment				15.19%
The projected average loss ratio - For the elementary lines				50.21%
The average reinsurance projected in the study, calculated on the basis of reported claims				2.05%
Expected dividend as percentage, share options granted				30.00%
For financial companies, financial company equivalent and of the insurance industry
Significant Accounting Policies (Details Text)
Applicable tax rate		15.00%
Changed according to Law no 13,169/15
Significant Accounting Policies (Details Text)
Applicable tax rate						20.00%
Returning to the rate
Significant Accounting Policies (Details Text)
Applicable tax rate			15.00%
For the other companies
Significant Accounting Policies (Details Text)
Applicable tax rate					9.00%
Income tax
Significant Accounting Policies (Details Text)
Applicable tax rate				15.00%
Surcharge
Significant Accounting Policies (Details Text)
Applicable tax rate				10.00%
Bigger than
Significant Accounting Policies (Details Text)
Proportion of ownership interest in associate				20.00%
Less than
Significant Accounting Policies (Details Text)
Proportion of ownership interest in associate				50.00%
Net income is distributed to the consortium's members
Significant Accounting Policies (Details Text)
Consortium				50.00%
Remaining monthly income is retained by the lead insurer over the year and transferred to the members of the consortium at the start of the following year
Significant Accounting Policies (Details Text)
Consortium				50.00%
The right to receive a minimum dividend per share
Significant Accounting Policies (Details Text)
Expenditure on maintenance and repairs of property and equipment items is recognized as an asset when it is probable that future economic benefits associated with the items will flow to the Organization				one year
The estimated useful life of software				two to five years
Risk related to the cover of the holder's dependents, following the death of the holder				five years
Deferred tax assets on income tax and social contribution losses				30.00%
Minimum dividend per share				10.00%
Of the annual net income, in accordance with the the Company’s Bylaws
Significant Accounting Policies (Details Text)
Expected dividend as percentage, share options granted					30.00%
The mathematical reserve for unvested benefits (PMBAC)
Significant Accounting Policies (Details Text)
Discount rate				4.50%	5.10%
The mathematical reserve of benefits granted (PMBC)
Significant Accounting Policies (Details Text)
Discount rate				4.50%	5.10%
Other provisions
Significant Accounting Policies (Details Text)
Discount rate				4.50%	5.10%
[1]	Based on an assessment made on July 01,2016, were identificable the fair values of the assets adquired and liabilities assumed in the acquisition.

Risk Management (Details 1)

Risk Management (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Maximum Credit Risk Exposure Of The Financial Instruments [Abstract]
Cash and balances with banks		R$ 81742951	R$ 72554651
Derivative financial instruments		13,866,885	16,755,442
Loans and advances to banks		32,253,205	94,845,534
Loans and advances to customers		373,813,665	392,083,873
Other financial assets		599,199,362	497,974,002
Total items recorded in the balance sheet	[1]	1,100,876,068	1,074,213,502
Total items not recorded in the balance sheet (Note 41)		283,089,393	316,298,033
Total risk exposure		R$ 1383965461	R$ 1390511535
[1]	Collaterals are mainly represented by: securities, properties, financial investments, sureties and guarantees.

Risk Management (Details 2)

Risk Management (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Derivative Financial Instruments [Abstract]
Traded in the stock exchange	R$ 88120	R$ 1068418
OTC contract	13,778,765	15,687,024
Total	R$ 13866885	R$ 16755442

Risk Management (Details 3)

Risk Management (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans and advances to banks as rated internally by the Organization
Loans and advances to banks	R$ 32253205	R$ 94845534
Low risk
Loans and advances to banks as rated internally by the Organization
Loans and advances to banks	32,253,205	94,845,534
Medium risk
Loans and advances to banks as rated internally by the Organization
Loans and advances to banks	0	0
High risk
Loans and advances to banks as rated internally by the Organization
Loans and advances to banks	R$ 0	R$ 0

Risk Management (Details 4)

Risk Management (Details 4) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Loans And Advances To Customers The Internal Models Used By The Organization Are Based On Client Or Product [Abstract]
Neither past due nor impaired		R$ 321595918	R$ 337337152
Past due but not impaired (ii)		10,684,314	12,612,906
Impaired (iii)		41,533,433	42,133,815
Total Portfolio		373,813,665	392,083,873
Impairment of loans and advances		(27,055,566)	(24,780,839)	R$ 25455204
Total of net loans and advances to customers	[1]	R$ 346758099	R$ 367303034
[1]	Amounts of loans and receivables are presented net of the provision for impairment losses.

Risk Management (Details 5)

Risk Management (Details 5) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans and advances to customers neither past due nor impaired
Total	R$ 321595918	R$ 337337152
Low risk
Loans and advances to customers neither past due nor impaired
Total	309,535,667	325,170,838
Medium risk
Loans and advances to customers neither past due nor impaired
Total	9,895,319	10,269,218
High risk
Loans and advances to customers neither past due nor impaired
Total	R$ 2164932	R$ 1897096

Risk Management (Details 6)

Risk Management (Details 6) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans and advances to customers past due but not impaired
Total	R$ 10684314	R$ 12612906
Past due up to 60 days
Loans and advances to customers past due but not impaired
Total	8,177,461	9,737,697
Past due between 61 and 90 days
Loans and advances to customers past due but not impaired
Total	2,302,186	2,608,305
Past due for more than 90 days
Loans and advances to customers past due but not impaired
Total	R$ 204667	R$ 266904

Risk Management (Details 7)

Risk Management (Details 7) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans and advances to customers impaired
Loans and advances to customers impaired	R$ 41533433	R$ 42133815
Portfolio not yet due
Loans and advances to customers impaired
Loans and advances to customers impaired	20,342,024	17,567,703
Past due up to 60 days
Loans and advances to customers impaired
Loans and advances to customers impaired	2,915,081	4,067,322
Past due between 61 and 90 days
Loans and advances to customers impaired
Loans and advances to customers impaired	1,279,795	1,284,035
Past due for more than 90 days
Loans and advances to customers impaired
Loans and advances to customers impaired	R$ 16996533	R$ 19214755

Risk Management (Details 8)

Risk Management (Details 8) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans And Advances Impaired By Category [Abstract]
Credit card	R$ 6158265	R$ 5962131
Working capital	6,052,758	5,940,498
Personal credit	4,632,789	4,951,949
Housing loans	4,071,447	2,553,802
Financing and export	2,770,221	2,456,658
Vehicles - CDC (Direct consumer credit)	1,333,748	1,651,852
Rural loans	982,699	946,282
Onlending BNDES/Finame	780,985	1,052,671
Overdraft for individuals	638,506	882,992
Acquisition of assets	295,944	459,574
Overdraft for corporate	256,271	406,296
Others	13,559,800	14,869,110
Total	R$ 41533433	R$ 42133815

Risk Management (Details 9)

Risk Management (Details 9) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Renegotiated Loans And Advances To Customers [Abstract]
Opening balance	R$ 17501423	R$ 12728723
Additional renegotiated amounts, including interest	16,185,863	18,777,814
Payments received	(10,108,040)	(8,997,802)
Write-offs	(6,395,377)	(5,007,312)
Closing balance	17,183,869	17,501,423
Impairment of loans and advances	(10,853,777)	(10,346,397)
Total renegotiated loans and advances to customers, net of impairment at the end of the year	R$ 6330092	R$ 7155026
Impairment on renegotiated loans and advances as a percentage of the renegotiated portfolio	63.20%	59.10%
Total renegotiated loans and advances as a percentage of the total loan portfolio	4.60%	4.50%
Total renegotiated loans and advances as a percentage of the total loan portfolio, net of impairment	1.80%	1.90%

Risk Management (Details 10)

Risk Management (Details 10)	Dec. 31, 2017	Dec. 31, 2016
Concentration Of Credit Risk In Loans And Advances [Abstract]
Largest borrower	2.50%	2.30%
10 largest borrowers	8.20%	8.50%
20 largest borrowers	12.20%	12.60%
50 largest borrowers	17.80%	18.50%
100 largest borrowers	22.20%	23.00%

Risk Management (Details 11)

Risk Management (Details 11) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
By Economic Activity Sector [Abstract]
Public sector		R$ 9676927	R$ 8813581
Public sector %		2.60%	2.20%
Oil, derivatives and aggregate activities		R$ 9410382	R$ 8813581
Oil, derivatives and aggregate activities %		2.50%	2.20%
Production and distribution of electricity		R$ 1322	R$ 0
Production and distribution of electricity %		0.00%	0.00%
Other industries		R$ 265223	R$ 0
Other industries %		0.10%	0.00%
Private sector		R$ 364136738	R$ 383270292
Private sector %		97.40%	97.80%
Companies		R$ 190148345	R$ 212344421
Companies %		50.90%	54.20%
Real estate and construction activities		R$ 29383442	R$ 33888418
Real estate and construction activities %		7.90%	8.60%
Retail		R$ 23935638	R$ 25346471
Retail %		6.40%	6.50%
Services		R$ 17996533	R$ 18172147
Services %		4.80%	4.60%
Transportation and concession		R$ 14190284	R$ 17044780
Transportation and concession %		3.80%	4.30%
Automotive		R$ 10014454	R$ 13148526
Automotive %		2.70%	3.40%
Food products		R$ 8866028	R$ 10870635
Food products %		2.40%	2.80%
Wholesale		R$ 9045916	R$ 10704646
Wholesale %		2.40%	2.70%
Production and distribution of electricity		R$ 7360804	R$ 8255265
Production and distribution of electricity %		2.00%	2.10%
Siderurgy and metallurgy		R$ 7001290	R$ 7800237
Siderurgy and metallurgy %		1.90%	2.00%
Sugar and alcohol		R$ 7042811	R$ 7514693
Sugar and alcohol %		1.90%	1.90%
Other industries		R$ 55311145	R$ 59598603
Other industries %		14.80%	15.20%
Individuals		R$ 173988393	R$ 170925871
Individuals %		46.50%	43.60%
Total Portfolio		R$ 373813665	R$ 392083873
Total portfolio %		100.00%	100.00%
Impairment of loans and advances		R$ 27055566	R$ 24780839	R$ 25455204
Total of net loans and advances to customers	[1]	R$ 346758099	R$ 367303034
[1]	Amounts of loans and receivables are presented net of the provision for impairment losses.

Risk Management (Details 12)

Risk Management (Details 12) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Offsetting of financial assets and liabilities
Interbank investments	[1]	R$ 123691195	R$ 84728590
Securities sold under agreements to repurchase		233,467,544	241,978,931
Interbank investments
Offsetting of financial assets and liabilities
Interbank investments		123,691,195	84,728,590
Related amount offset in the Balance Sheet		0	0
Net amount		123,691,195	84,728,590
Derivative financial instruments
Offsetting of financial assets and liabilities
Interbank investments		13,866,885	16,755,442
Related amount offset in the Balance Sheet		0	0
Net amount		13,866,885	16,755,442
Securities sold under agreements to repurchase
Offsetting of financial assets and liabilities
Securities sold under agreements to repurchase		233,467,544	241,978,931
Related amount not cleared in the Balance Sheet		0	0
Net amount		233,467,544	241,978,931
Derivative financial instruments
Offsetting of financial assets and liabilities
Securities sold under agreements to repurchase		14,274,999	13,435,678
Related amount not cleared in the Balance Sheet		0	0
Net amount		R$ 14274999	R$ 13435678
[1]	Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement.

Risk Management (Details 13)

Risk Management (Details 13) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	R$ 17566051	R$ 37880333
Assets | Fixed rate
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	11,614,849	33,026,609
Assets | IGP-M (General Index of market pricing) / IPCA (Consumer price index)
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	1,053,893	330,819
Assets | Exchange coupon
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	1,808,598	997,507
Assets | Foreign Currency
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	1,808,598	1,005,349
Assets | Equities
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	461,957	0
Assets | Sovereign/Eurobonds and Treasuries
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	560,619	2,301,628
Assets | Other
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	257,537	218,421
Liabilities
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	11,406,535	17,020,336
Liabilities | Fixed rate
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	6,184,099	13,806,553
Liabilities | IGP-M (General Index of market pricing) / IPCA (Consumer price index)
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	532,957	404,612
Liabilities | Exchange coupon
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	1,658,084	878,284
Liabilities | Foreign Currency
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	2,103,715	1,024,526
Liabilities | Equities
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	468,911	0
Liabilities | Sovereign/Eurobonds and Treasuries
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	360,252	906,361
Liabilities | Other
Financial Exposure - Trading Portfolio (Fair value)
Risk Factors	R$ 98517	R$ 0

Risk Management (Details 14)

Risk Management (Details 14) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fixed rates
VaR Internal Model -Trading Portfolio
Risk Factors	R$ 8956	R$ 20704
IGP-M (General Index of market pricing) / IPCA (Consumer price index)
VaR Internal Model -Trading Portfolio
Risk Factors	2,751	416
Exchange coupon
VaR Internal Model -Trading Portfolio
Risk Factors	48	64
Foreign Currency
VaR Internal Model -Trading Portfolio
Risk Factors	2,925	224
Sovereign/Eurobonds and Treasuries
VaR Internal Model -Trading Portfolio
Risk Factors	826	3,230
Equities
VaR Internal Model -Trading Portfolio
Risk Factors	289	0
Others
VaR Internal Model -Trading Portfolio
Risk Factors	1	2
Correlation/diversification effect
VaR Internal Model -Trading Portfolio
Risk Factors	(1,379)	(1,892)
VaR at the end of the year
VaR Internal Model -Trading Portfolio
Risk Factors	14,417	22,748
Average VaR in the year
VaR Internal Model -Trading Portfolio
Risk Factors	24,024	19,910
Minimum VaR in the year
VaR Internal Model -Trading Portfolio
Risk Factors	5,499	9,408
Maximum VaR in the year
VaR Internal Model -Trading Portfolio
Risk Factors	R$ 100640	R$ 36726

Risk Management (Details 15)

Risk Management (Details 15) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
VaR | Interest rate
VaR Internal Model - Regulatory Portfolio
Risk Factors	R$ 37659	R$ 70231
VaR | Exchange rate
VaR Internal Model - Regulatory Portfolio
Risk Factors	7,715	12,966
VaR | Commodity price (Commodities)
VaR Internal Model - Regulatory Portfolio
Risk Factors	1,110	12
VaR | Equities
VaR Internal Model - Regulatory Portfolio
Risk Factors	2,065	0
VaR | Correlation/diversification effect
VaR Internal Model - Regulatory Portfolio
Risk Factors	36,429	(1,872)
VaR | VaR at the end of the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	84,978	81,337
VaR | Average VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	87,358	70,249
VaR | Minimum VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	24,945	38,810
VaR | Maximum VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	369,342	131,105
Stressed | Interest rate
VaR Internal Model - Regulatory Portfolio
Risk Factors	48,400	149,043
Stressed | Exchange rate
VaR Internal Model - Regulatory Portfolio
Risk Factors	17,300	27,713
Stressed | Commodity price (Commodities)
VaR Internal Model - Regulatory Portfolio
Risk Factors	200	29
Stressed | Equities
VaR Internal Model - Regulatory Portfolio
Risk Factors	7,400	0
Stressed | Correlation/diversification effect
VaR Internal Model - Regulatory Portfolio
Risk Factors	240	(8,296)
Stressed | VaR at the end of the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	73,540	168,489
Stressed | Average VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	107,059	179,169
Stressed | Minimum VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	26,803	83,230
Stressed | Maximum VaR in the year
VaR Internal Model - Regulatory Portfolio
Risk Factors	R$ 236895	R$ 247814

Risk Management (Details 16)

Risk Management (Details 16) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
At the end of the year
Stress Analysis - Trading Portfolio
Risk Factors	R$ 103949	R$ 338004
Average in the year
Stress Analysis - Trading Portfolio
Risk Factors	168,751	198,274
Minimum in the year
Stress Analysis - Trading Portfolio
Risk Factors	53,426	87,152
Maximum in the year
Stress Analysis - Trading Portfolio
Risk Factors	R$ 387884	R$ 371395

Risk Management (Details 17)

Risk Management (Details 17) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Scenario 1 | Interest rate
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 359	R$ 1074
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 1 | Price indexes
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 147	R$ 26
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 1 | Exchange coupon
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 9	R$ 2
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 1 | Foreign Currency
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 1629	R$ 106
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 1 | Equities
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 1215	R$ 0
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 1 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 2469	R$ 1464
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 1 | Other
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 0	R$ 0
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 1 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 5828	R$ 2672
Scenario 1 | Total including correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	(3,448)	(2,058)
Scenario 2 | Interest rate
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 61497	R$ 293350
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 2 | Price indexes
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 17576	R$ 3723
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 2 | Exchange coupon
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 420	R$ 224
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 2 | Foreign Currency
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 40736	R$ 2649
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 2 | Equities
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 30378	R$ 0
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 2 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 61730	R$ 11649
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 2 | Other
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 0	R$ 19
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 2 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 212337	R$ 311614
Scenario 2 | Total including correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	(131,662)	(295,900)
Scenario 3 | Interest rate
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 120385	R$ 568367
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 3 | Price indexes
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 33298	R$ 7174
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 3 | Exchange coupon
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 839	R$ 437
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 3 | Foreign Currency
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 81473	R$ 5297
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 3 | Equities
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 60757	R$ 0
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 3 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 123461	R$ 24751
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 3 | Other
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 0	R$ 39
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 3 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 420213	R$ 606065
Scenario 3 | Total including correlation of risk factors
Sensitivity Analysis - Trading Portfolio
Risk Factors	[1]	R$ 259684	R$ 574058
[1]	Values net of taxes.

Risk Management (Details 18)

Risk Management (Details 18) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Scenario 1 | Interest rate
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 12579	R$ 8994
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 1 | Price indexes
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 512	R$ 9255
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 1 | Exchange coupon
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 1575	R$ 455
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 1 | Foreign Currency
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 600	R$ 867
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 1 | Equities
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 16289	R$ 14817
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 1 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 4978	R$ 1786
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 1 | Other
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 12	R$ 1
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 1 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 36545	R$ 36175
Scenario 1 | Total including correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	(26,956)	(26,893)
Scenario 2 | Interest rate
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 2339939	R$ 2466388
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 2 | Price indexes
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 56130	R$ 1224208
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 2 | Exchange coupon
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 80110	R$ 49446
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 2 | Foreign Currency
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 15004	R$ 21663
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 2 | Equities
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 407237	R$ 370420
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 2 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 205764	R$ 15940
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 2 | Other
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 307	R$ 28
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 2 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 3104491	R$ 4148093
Scenario 2 | Total including correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	(2,678,101)	(3,691,157)
Scenario 3 | Interest rate
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 4560181	R$ 4786687
Definition		Exposure subject to variations in fixed interest rates and interest rate coupons	Exposure subject to variations in fixed interest rates and interest rate coupons
Scenario 3 | Price indexes
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 107716	R$ 2264187
Definition		Exposure subject to variations in price index coupon rates	Exposure subject to variations in price index coupon rates
Scenario 3 | Exchange coupon
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 158548	R$ 93726
Definition		Exposure subject to variations in foreign currency coupon rates	Exposure subject to variations in foreign currency coupon rates
Scenario 3 | Foreign Currency
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 30008	R$ 43327
Definition		Exposure subject to exchange rate variations	Exposure subject to exchange rate variations
Scenario 3 | Equities
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 814475	R$ 740841
Definition		Exposure subject to variation in stock prices	Exposure subject to variation in stock prices
Scenario 3 | Sovereign/Eurobonds and Treasuries
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 406054	R$ 32801
Definition		Exposure subject to variations in the interest rate of securities traded on the international market	Exposure subject to variations in the interest rate of securities traded on the international market
Scenario 3 | Other
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 613	R$ 55
Definition		Exposure not classified in other definitions	Exposure not classified in other definitions
Scenario 3 | Total excluding correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 6077595	R$ 7961624
Scenario 3 | Total including correlation of risk factors
Sensitivity Analysis - Trading and Banking Portfolio
Risk Factors	[1]	R$ 5232466	R$ 7090253
[1]	Values net of taxes.

Risk Management (Details 19)

Risk Management (Details 19)	12 Months Ended
	Dec. 31, 2017
2,016
LCR - Liquidity Coverage Ratio
% Required	70.00%
2,017
LCR - Liquidity Coverage Ratio
% Required	80.00%
2,018
LCR - Liquidity Coverage Ratio
% Required	90.00%
As of 2019
LCR - Liquidity Coverage Ratio
% Required	100.00%

Risk Management (Details 20)

Risk Management (Details 20) - BRL (R$) R$ in Thousands		Dec. 31, 2017	[1]	Dec. 31, 2016	[3]
Total Adjusted Amount
Total HQLA	[2]	R$ 125596242		R$ 146652484
Total net cash outflow	[2]	R$ 80402480		R$ 80647652
LCR (%)	[2]	156.20%		181.80%
Average Amount
Cash Outlows
Ratail funding:	[4]	R$ 210005411		R$ 227352566
Stable funding	[4]	135,661,528		140,847,861
Less stable funding	[4]	74,343,883		86,504,705
Non-collateralized wholesale funding:	[4]	112,474,083		102,652,197
Operating deposits (all counterparties) and affiliated cooperative deposits	[4]	8,152,936		6,226,398
Non-operating deposits (all counterparties)	[4]	103,275,838		95,809,211
Other non-collateralized wholesale funding	[4]	1,045,309		616,588
Collateralized wholesale funding	[4]	0		0
Additional requirements:	[4]	97,751,894		99,952,624
Related to exposure to derivatives and other collateral requirements	[4]	15,192,265		16,283,688
Related to funding losses through the issue of debt instruments	[4]	345,574		33,682
Related to lines of credit and liquidity	[4]	82,214,055		83,635,254
Other contractual obligations	[4]	30,492,461		29,749,147
Other contingent obligations	[4]	131,133,680		156,190,246
Total cash outflows	[4]	0		0
Cash Inflows
Collateralized loans	[4]	161,500,640		189,610,077
Outstanding loans whose payments are fully up-to-date	[4]	32,424,050		37,529,539
Other cash inflows	[4]	24,624,328		21,079,562
Total cash inflows	[4]	218,549,018		248,219,178
Weighted Average Amount
Informatio on the Liquidity Coverage Ratio (LCR)
Total High Quality Liquid Assets (HQLA)	[5]	125,596,242		146,652,484
Cash Outlows
Ratail funding:	[5]	17,749,477		16,702,571
Stable funding	[5]	6,783,076		4,225,436
Less stable funding	[5]	10,966,401		12,477,135
Non-collateralized wholesale funding:	[5]	50,716,519		49,853,687
Operating deposits (all counterparties) and affiliated cooperative deposits	[5]	407,647		192,711
Non-operating deposits (all counterparties)	[5]	49,263,563		49,044,388
Other non-collateralized wholesale funding	[5]	1,045,309		616,588
Collateralized wholesale funding	[5]	6,656,909		5,808,725
Additional requirements:	[5]	13,746,422		15,328,908
Related to exposure to derivatives and other collateral requirements	[5]	7,089,564		9,017,294
Related to funding losses through the issue of debt instruments	[5]	345,574		6,332
Related to lines of credit and liquidity	[5]	6,311,284		6,305,282
Other contractual obligations	[5]	28,811,462		29,749,147
Other contingent obligations	[5]	5,160,312		5,581,011
Total cash outflows	[5]	122,841,100		123,024,048
Cash Inflows
Collateralized loans	[5]	0		937,935
Outstanding loans whose payments are fully up-to-date	[5]	21,009,387		24,090,950
Other cash inflows	[5]	21,429,233		17,347,511
Total cash inflows	[5]	R$ 42438620		R$ 42376396
[1]	Calculated based on the simple daily average of the months that compose the quarter (61 observations);
[2]	Corresponds to the calculated value after the application of weighting factors and limits.
[3]	Calculated based on the simple average of the closing of the months that compose the quarter (3 observations);
[4]	Corresponds to the total balance related to the item of cash inflows or outflows;
[5]	Corresponds to the value after application of the weighting factors; and

Risk Management (Details 21)

Risk Management (Details 21) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Undiscounted cash flows of financial liabilities
Deposits from banks		R$ 293559737	R$ 316285779
Deposits from customers		272,820,671	250,783,068
Funds from issuance of securities		164,765,133	194,148,983
Subordinated debt		71,775,114	71,534,166
Other financial liabilities	[1]	62,439,512	61,590,742
Total liabilities		865,360,167	894,342,738
1 to 30 days
Undiscounted cash flows of financial liabilities
Deposits from banks		197,275,471	166,104,038
Deposits from customers		141,846,015	137,186,325
Funds from issuance of securities		3,346,915	10,239,074
Subordinated debt		896,349	439,974
Other financial liabilities	[1]	43,606,124	41,547,649
Total liabilities		386,970,874	355,517,060
31 to 180 days
Undiscounted cash flows of financial liabilities
Deposits from banks		17,199,209	18,369,626
Deposits from customers		7,519,939	9,655,017
Funds from issuance of securities		13,222,173	11,971,886
Subordinated debt		3,705,136	2,268,618
Other financial liabilities	[1]	8,785,744	9,025,726
Total liabilities		50,432,201	51,290,873
181 to 360 days
Undiscounted cash flows of financial liabilities
Deposits from banks		47,240,285	67,893,343
Deposits from customers		16,476,264	16,460,997
Funds from issuance of securities		69,548,689	78,896,618
Subordinated debt		6,942,643	11,958,373
Other financial liabilities	[1]	2,290,146	2,516,140
Total liabilities		142,498,027	177,725,471
From 1 to 5 years
Undiscounted cash flows of financial liabilities
Deposits from banks		25,251,295	57,316,125
Deposits from customers		106,861,185	87,377,222
Funds from issuance of securities		77,143,455	91,190,406
Subordinated debt		27,064,409	24,756,298
Other financial liabilities	[1]	3,711,492	3,837,647
Total liabilities		240,031,836	264,477,698
More than 5 years
Undiscounted cash flows of financial liabilities
Deposits from banks		6,593,477	6,602,647
Deposits from customers		117,268	103,507
Funds from issuance of securities		1,503,901	1,850,999
Subordinated debt		33,166,577	32,110,903
Other financial liabilities	[1]	4,046,006	4,663,580
Total liabilities		R$ 45427229	R$ 45331636
[1]	Include, mainly, credit card transactions, foreign exchange transactions, negotiation and intermediation of securities, finance lease and capitalization bonds.

Risk Management (Details 22)

Risk Management (Details 22) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Undiscounted cash flows for derivatives
Differential of swaps payable	R$ 13276763	R$ 11021775
Non-deliverable forwards	512,005	2,739,946
Purchased	284,403	1,155,258
Sold	227,602	1,584,688
Premiums of options	965,425	262,658
Adjustment payables - future	155,305	19,164
Total of derivative liabilities	14,909,498	14,043,543
1 to 30 days
Undiscounted cash flows for derivatives
Differential of swaps payable	279,134	1,426,666
Non-deliverable forwards	201,115	1,772,919
Purchased	73,599	212,953
Sold	127,516	1,559,966
Premiums of options	551,220	150,945
Adjustment payables - future	155,305	19,164
Total of derivative liabilities	1,186,774	3,369,694
31 to 180 days
Undiscounted cash flows for derivatives
Differential of swaps payable	125,468	183,769
Non-deliverable forwards	95,761	264,887
Purchased	53,513	256,669
Sold	42,248	8,218
Premiums of options	13,510	28,342
Adjustment payables - future	0	0
Total of derivative liabilities	234,739	476,998
181 to 360 days
Undiscounted cash flows for derivatives
Differential of swaps payable	536,406	546,569
Non-deliverable forwards	147,710	542,923
Purchased	90,914	534,800
Sold	56,796	8,123
Premiums of options	34,443	40,154
Adjustment payables - future	0	0
Total of derivative liabilities	718,559	1,129,646
From 1 to 5 years
Undiscounted cash flows for derivatives
Differential of swaps payable	12,169,717	8,695,486
Non-deliverable forwards	66,682	158,670
Purchased	65,640	150,289
Sold	1,042	8,381
Premiums of options	63,052	43,217
Adjustment payables - future	0	0
Total of derivative liabilities	12,299,451	8,897,373
More than 5 years
Undiscounted cash flows for derivatives
Differential of swaps payable	166,038	169,285
Non-deliverable forwards	737	547
Purchased	737	547
Sold	0	0
Premiums of options	303,200	0
Adjustment payables - future	0	0
Total of derivative liabilities	R$ 469975	R$ 169832

Risk Management (Details 23)

Risk Management (Details 23) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and balances with banks		R$ 81742951	R$ 72554651
Financial assets held for trading		241,710,041	213,139,846
Financial assets available for sale		159,412,722	113,118,554
Investments held to maturity		39,006,118	43,002,028
Financial assets pledged as collateral		183,975,173	155,286,577
Loans and advances to banks, net of impairment	[1]	32,247,724	94,838,136
Loans and advances to customers, net of impairment	[1]	346,758,099	367,303,034
Other financial assets	[2]	41,719,483	39,171,191
Total financial assets		1,126,572,311	1,098,414,017
Liabilities
Deposits from banks		285,957,468	301,662,682
Deposits from customers		262,008,445	232,747,929
Financial liabilities held for trading		14,274,999	13,435,678
Funds from issuance of securities		135,174,090	151,101,938
Balance		50,179,401	52,611,064	R$ 50282936
Total technical provisions	[3]	239,089,590	215,840,000
Other financial liabilities	[4]	62,439,512	61,590,742
Total financial liabilities		1,049,123,505	1,028,990,033
From 1 to 5 years
Assets
Financial assets available for sale		83,816,085	60,251,675
Current
Assets
Total financial assets		531,664,989	528,853,712
Liabilities
Total financial liabilities		796,304,508	766,124,214
Current | 1 to 30 days
Assets
Cash and balances with banks		81,742,951	72,554,651
Financial assets held for trading		15,181,714	18,475,080
Financial assets available for sale		2,422,266	5,629,209
Investments held to maturity		7,753
Financial assets pledged as collateral		25,977,537	83,646,950
Loans and advances to banks, net of impairment		23,136,673	88,759,292
Loans and advances to customers, net of impairment		55,830,036	58,151,213
Other financial assets	[2]	25,375,820	25,657,932
Total financial assets		229,674,750	352,874,327
Liabilities
Deposits from banks		197,177,061	162,977,360
Deposits from customers		142,525,722	137,252,829
Financial liabilities held for trading		13,552,386	12,428,599
Funds from issuance of securities		3,422,727	7,295,059
Balance		738,929	426,665
Total technical provisions	[3]	207,499,559	182,739,608
Other financial liabilities	[4]	43,606,124	41,547,649
Total financial liabilities		608,522,508	544,667,769
Current | 31 to 180 days
Assets
Financial assets held for trading		10,934,575	6,768,610
Financial assets available for sale		9,392,915	2,127,660
Investments held to maturity		2,454
Financial assets pledged as collateral		111,922,357	3,394,834
Loans and advances to banks, net of impairment		3,544,426	2,545,217
Loans and advances to customers, net of impairment		80,715,548	87,409,338
Other financial assets	[2]	1,340,567	633,472
Total financial assets		217,852,842	102,879,131
Liabilities
Deposits from banks		29,640,587	63,417,792
Deposits from customers		11,400,607	15,331,311
Financial liabilities held for trading		201,643	534,525
Funds from issuance of securities		31,299,770	45,280,096
Balance		9,428,997	3,904,856
Total technical provisions	[3]	2,411,996	3,342,339
Other financial liabilities	[4]	8,785,744	9,025,726
Total financial liabilities		93,169,344	140,836,645
Current | 181 to 360 days
Assets
Financial assets held for trading		5,501,249	9,759,221
Financial assets available for sale		19,351,886	4,149,003
Investments held to maturity		19,205
Financial assets pledged as collateral		2,543,922	1,904,827
Loans and advances to banks, net of impairment		3,387,187	2,120,712
Loans and advances to customers, net of impairment		51,526,092	54,879,049
Other financial assets	[2]	1,807,856	287,442
Total financial assets		84,137,397	73,100,254
Liabilities
Deposits from banks		31,589,994	19,850,717
Deposits from customers		10,531,633	9,457,530
Financial liabilities held for trading		81,073	279,662
Funds from issuance of securities		48,540,240	40,140,968
Balance		640,536	7,068,023
Total technical provisions	[3]	939,034	1,306,760
Other financial liabilities	[4]	2,290,146	2,516,140
Total financial liabilities		94,612,656	80,619,800
Non-current
Assets
Total financial assets		594,907,322	569,560,305
Liabilities
Total financial liabilities		252,818,997	262,865,819
Non-current | From 1 to 5 years
Assets
Financial assets held for trading		146,527,365	134,589,655
Financial assets available for sale		83,816,085	60,251,675
Investments held to maturity		10,284,940	12,932,440
Financial assets pledged as collateral		40,965,417	48,753,065
Loans and advances to banks, net of impairment		1,754,483	1,398,574
Loans and advances to customers, net of impairment		114,151,120	125,744,273
Other financial assets	[2]	11,322,882	10,384,379
Total financial assets		408,822,292	394,054,061
Liabilities
Deposits from banks		22,221,075	50,045,413
Deposits from customers		97,523,112	70,641,804
Financial liabilities held for trading		134,649	192,649
Funds from issuance of securities		51,142,979	57,237,747
Balance		20,767,242	21,554,158
Total technical provisions	[3]	28,239,001	28,451,293
Other financial liabilities	[4]	3,711,492	3,837,647
Total financial liabilities		223,739,550	231,960,711
Non-current | More than 5 years
Assets
Financial assets held for trading		56,173,284	35,837,056
Financial assets available for sale		33,391,763	31,143,446
Investments held to maturity		28,691,766	30,069,588
Financial assets pledged as collateral		2,565,940	17,586,901
Loans and advances to banks, net of impairment		424,955	14,341
Loans and advances to customers, net of impairment		44,535,303	41,119,161
Other financial assets	[2]	1,872,358	2,207,966
Total financial assets		167,655,369	157,978,459
Liabilities
Deposits from banks		5,328,751	5,371,400
Deposits from customers		27,371	64,455
Financial liabilities held for trading		305,248	243
Funds from issuance of securities		768,374	1,148,068
Balance		18,603,697	19,657,362
Other financial liabilities	[4]	4,046,006	4,663,580
Total financial liabilities		29,079,447	30,905,108
Non-current | No stated maturity
Assets
Financial assets held for trading		7,391,854	7,710,224
Financial assets available for sale		11,037,807	9,817,561
Total financial assets		R$ 18429661	R$ 17527785
[1]	Amounts of loans and receivables are presented net of the provision for impairment losses.
[2]	Includes mainly foreign exchange transactions, debtors for guarantee deposits and negotiation and intermediation of securities;
[3]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and
[4]	Includes mainly credit card transactions, foreign exchange transactions, negotiation and intermediation of securities, finance lease and capitalization bonds.

Risk Management (Details 24)

Risk Management (Details 24) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets
Total financial assets	R$ 1126572311	R$ 1098414017
Non-current assets held for sale	1,520,973	1,578,966
Investments in associated companies	8,257,384	7,002,778	R$ 5815325
Property and equipment, net of accumulated depreciation	8,432,475	8,397,116	5,504,435
Intangible assets and goodwill, net of accumulated amortization	16,179,307	15,797,526
Taxes to be offset	10,524,575	7,723,211
Deferred income tax assets	43,731,911	45,116,863
Other assets	9,134,504	7,999,179
Total non-financial assets	97,781,129	93,615,639
Total assets	1,224,353,440	1,192,029,656	1,026,703,522
Liabilities
Total financial liabilities	1,049,123,505	1,028,990,033
Other provisions	18,490,727	18,292,409
Current income tax liabilities	2,416,345	2,130,286
Deferred income tax liabilities	1,251,847	1,762,948
Other liabilities	35,377,312	35,374,773
Total non-financial liabilities	57,536,231	57,560,416
Total equity	117,693,704	105,479,207	R$ 90914762	R$ 82291805
Total liabilities and equity	1,224,353,440	1,192,029,656
Current
Assets
Total financial assets	531,664,989	528,853,712
Non-current assets held for sale	1,520,973	1,578,966
Taxes to be offset	4,589,981	3,114,609
Other assets	6,602,669	5,278,675
Total non-financial assets	12,713,623	9,972,250
Total assets	544,378,612	538,825,962
Liabilities
Total financial liabilities	796,304,508	766,124,214
Other provisions	1,349,366	4,293,374
Current income tax liabilities	2,416,345	2,130,286
Deferred income tax liabilities	36,344	36,943
Other liabilities	33,460,225	34,917,264
Total non-financial liabilities	37,262,280	41,377,867
Total liabilities and equity	833,566,788	807,502,081
Non-current
Assets
Total financial assets	594,907,322	569,560,305
Investments in associated companies	8,257,384	7,002,778
Property and equipment, net of accumulated depreciation	8,432,475	8,397,116
Intangible assets and goodwill, net of accumulated amortization	16,179,307	15,797,526
Taxes to be offset	5,934,594	4,608,602
Deferred income tax assets	43,731,911	45,116,863
Other assets	2,531,835	2,720,504
Total non-financial assets	85,067,506	83,643,389
Total assets	679,974,828	653,203,694
Liabilities
Total financial liabilities	252,818,997	262,865,819
Other provisions	17,141,361	13,999,035
Deferred income tax liabilities	1,215,503	1,726,005
Other liabilities	1,917,087	457,509
Total non-financial liabilities	20,273,951	16,182,549
Total equity	117,693,704	105,479,207
Total liabilities and equity	R$ 390786652	R$ 384527575

Risk Management (Details 25)

Risk Management (Details 25) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financial assets and liabilities measured at fair value
Brazilian government securities	R$ 202249272	R$ 161103399
Corporate debt and marketable equity securities	12,339,790	10,383,682
Bank debt securities	8,348,269	18,600,127
Mutual funds	4,377,508	4,303,781
Foreign governments securities	528,010	635,390
Brazilian sovereign bonds	307	1,358,025
Trading securities	227,843,156	196,384,404
Derivative financial instruments	13,866,885	16,755,442
Derivative financial instruments (liabilities)	(14,274,999)	(13,435,678)
Derivatives	(408,114)	3,319,764
Brazilian government securities	103,281,758	59,198,028
Corporate debt securities	39,978,630	42,142,708
Bank debt securities	1,183,853	1,559,043
Brazilian sovereign bonds	728,127	401,214
Foreign governments securities	3,202,547
Marketable equity securities and other stocks	11,037,807	9,817,561
Balance on	159,412,722	113,118,554
Brazilian government securities	53,841,066	61,812,995
Corporate debt securities	825,287	3,899,878
Bank debt securities	4,904,070	4,742,273
Brazilian sovereign bonds	713,555	102,841
Financial assets pledged as collateral	60,283,978	70,557,987
Total	447,131,742	383,380,709
Level 1
Financial assets and liabilities measured at fair value
Brazilian government securities	198,273,452	157,346,640
Corporate debt and marketable equity securities	3,716,053	3,740,235
Bank debt securities	1,952,015	470,676
Mutual funds	4,377,508	4,295,403
Foreign governments securities	528,010	635,390
Brazilian sovereign bonds	307	1,358,025
Trading securities	208,847,345	167,846,369
Derivative financial instruments	46,601	26,632
Derivatives	46,601	26,632
Brazilian government securities	103,237,635	59,149,326
Corporate debt securities	4,786,078	2,470,652
Bank debt securities	1,086,454	1,063,157
Brazilian sovereign bonds	728,127	401,214
Foreign governments securities	3,202,547
Marketable equity securities and other stocks	4,380,606	3,387,158
Balance on	117,421,447	66,471,507
Brazilian government securities	53,841,066	61,812,995
Corporate debt securities	825,287	3,899,878
Bank debt securities	4,904,070	4,742,273
Brazilian sovereign bonds	713,555	102,841
Financial assets pledged as collateral	60,283,978	70,557,987
Total	386,599,371	304,902,495
Level 2
Financial assets and liabilities measured at fair value
Brazilian government securities	3,975,816	3,756,680
Corporate debt and marketable equity securities	8,271,295	6,356,302
Bank debt securities	6,396,254	18,129,451
Mutual funds		8,378
Trading securities	18,643,365	28,250,811
Derivative financial instruments	13,814,312	16,728,802
Derivative financial instruments (liabilities)	(14,264,124)	(13,427,053)
Derivatives	(449,812)	3,301,749
Corporate debt securities	31,740,856	38,431,230
Bank debt securities	97,399	495,886
Marketable equity securities and other stocks	3,261,732	2,706,578
Balance on	35,099,987	41,633,694
Total	53,293,540	73,186,254
Level 3
Financial assets and liabilities measured at fair value
Brazilian government securities	4	79
Corporate debt and marketable equity securities	352,442	287,145
Trading securities	352,446	287,224
Derivative financial instruments	5,972	8
Derivative financial instruments (liabilities)	(10,875)	(8,625)
Derivatives	(4,903)	(8,617)
Brazilian government securities	44,123	48,702
Corporate debt securities	3,451,696	1,240,826
Marketable equity securities and other stocks	3,395,469	3,723,825
Balance on	6,891,288	5,013,353
Total	R$ 7238831	R$ 5291960	R$ 6274018

Risk Management (Details 26)

Risk Management (Details 26) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Reconciliation of all assets and liabilities measured at fair value
Balance on	R$ 447131742	R$ 383380709
Level 3
Reconciliation of all assets and liabilities measured at fair value
Balance on	7,238,831	5,291,960	R$ 6274018
Included in the statement of income and other comprehensive income	(719,134)	(1,161,070)
Acquisitions	4,098,466	2,194,071
Write-offs	(1,432,461)	(452,834)
Transfer levels		(1,562,225)
Level 3 | Derivatives
Reconciliation of all assets and liabilities measured at fair value
Balance on	(4,903)	(8,617)	(20,382)
Acquisitions	3,714	11,793
Write-offs		(28)
Level 3 | Financial assets held for trading
Reconciliation of all assets and liabilities measured at fair value
Balance on	352,446	287,224	209,210
Included in the statement of income and other comprehensive income	15,868	13,155
Acquisitions	74,908	3,833
Write-offs	(25,554)	(7,633)
Transfer with categories		274,001
Transfer levels		(205,342)
Level 3 | Financial assets available for sale
Reconciliation of all assets and liabilities measured at fair value
Balance on	6,891,288	5,013,353	R$ 6085190
Included in the statement of income and other comprehensive income	(735,002)	(1,174,225)
Acquisitions	4,019,844	2,178,445
Write-offs	R$ 1406907	(445,173)
Transfer with categories		(274,001)
Transfer levels		R$ 1356883

Risk Management (Details 27)

Risk Management (Details 27) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Gains/(losses) due to changes in fair value, including the realized and unrealized gains and losses, recorded in the consolidated statement of income
Interest and similar income	R$ 208236	R$ 223682	R$ 1840234
Net trading gains/(losses) realized and unrealized	(927,370)	(1,384,752)	1,105,390
Total	(719,134)	(1,161,070)	2,945,624
Financial assets held for trading
Gains/(losses) due to changes in fair value, including the realized and unrealized gains and losses, recorded in the consolidated statement of income
Interest and similar income	25,967	16,518	440,791
Net trading gains/(losses) realized and unrealized	(10,099)	(3,363)	10,496
Total	15,868	13,155	451,287
Financial assets available for sale
Gains/(losses) due to changes in fair value, including the realized and unrealized gains and losses, recorded in the consolidated statement of income
Interest and similar income	182,269	207,164	1,399,443
Net trading gains/(losses) realized and unrealized	(917,271)	(1,381,389)	1,094,894
Total	R$ 735002	R$ 1174225	R$ 2494337

Risk Management (Details 28)

Risk Management (Details 28) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Gains/(losses) due to the changes in fair value, including the realized and unrealized gains and losses, recorded in the statement of income
Net gains/(losses) due to changes in fair value	R$ 10099	R$ 3363	R$ 9420
Total	(10,099)	(3,363)	9,420
Financial assets held for trading
Gains/(losses) due to the changes in fair value, including the realized and unrealized gains and losses, recorded in the statement of income
Net gains/(losses) due to changes in fair value	(10,099)	(3,363)	9,420
Total	R$ 10099	R$ 3363	R$ 9420

Risk Management (Details 29)

Risk Management (Details 29) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Impact on income | Scenario 1
Sensitivity analysis for financial assets classified as Level 3
Interest rate	R$ 8	R$ 1
Equities	(1,351)
Impact on income | Scenario 2
Sensitivity analysis for financial assets classified as Level 3
Interest rate	(1,931)	(271)
Equities	(33,783)
Impact on income | Scenario 3
Sensitivity analysis for financial assets classified as Level 3
Interest rate	(3,482)	(476)
Equities	(67,567)
Impact on shareholders’ equity | Scenario 1
Sensitivity analysis for financial assets classified as Level 3
Interest rate	(63)	(26)
Price indexes	(10)	(8)
Equities	(17,825)	(19,481)
Impact on shareholders’ equity | Scenario 2
Sensitivity analysis for financial assets classified as Level 3
Interest rate	(14,873)	(6,205)
Price indexes	(1,269)	(1,047)
Equities	(445,615)	(487,018)
Impact on shareholders’ equity | Scenario 3
Sensitivity analysis for financial assets classified as Level 3
Interest rate	(26,345)	(11,088)
Price indexes	(2,394)	(1,953)
Equities	R$ 891231	R$ 974037

Risk Management (Details 30)

Risk Management (Details 30) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financial assets - Financial assets pledged as collateral
Securities purchased under agreements to resell	[1]	R$ 123691195	R$ 84728590
Investments held to maturity		39,006,118	43,002,028
Loans and receivables
Loans and advances to banks, net of impairment	[2]	32,247,724	94,838,136
Loans and advances to customers, net of impairment	[2]	346,758,099	367,303,034
Financial liabilities
Deposits from banks		285,957,468	301,662,682
Deposits from customers		262,008,445	232,747,929
Funds from issuance of securities		135,174,090	151,101,938
Balance		50,179,401	52,611,064	R$ 50282936
Fair Value
Financial assets - Financial assets pledged as collateral
Securities purchased under agreements to resell		123,691,195	84,728,590
Investments held to maturity		41,146,271	44,254,749
Loans and receivables
Loans and advances to banks, net of impairment	[2]	32,247,724	94,838,136
Loans and advances to customers, net of impairment	[2]	346,633,592	362,156,027
Financial liabilities
Deposits from banks		285,716,505	301,497,406
Deposits from customers		261,760,442	232,224,796
Funds from issuance of securities		134,890,631	151,622,981
Balance		51,012,436	53,436,792
Fair Value | Level 1
Financial assets - Financial assets pledged as collateral
Investments held to maturity		29,182,489	32,875,426
Fair Value | Level 2
Financial assets - Financial assets pledged as collateral
Securities purchased under agreements to resell		123,691,195	84,728,590
Investments held to maturity		11,963,782	11,379,323
Loans and receivables
Loans and advances to banks, net of impairment	[2]	32,247,724	94,838,136
Fair Value | Level 3
Loans and receivables
Loans and advances to customers, net of impairment	[2]	346,633,592	362,156,027
Financial liabilities
Deposits from banks		285,716,505	301,497,406
Deposits from customers		261,760,442	232,224,796
Funds from issuance of securities		134,890,631	151,622,981
Balance		R$ 51012436	R$ 53436792
[1]	Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement.
[2]	Amounts of loans and receivables are presented net of the provision for impairment losses.

Risk Management (Details 31)

Risk Management (Details 31) - Prudential - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Calculation basis - Capital Adequacy Ratio
Tier I capital		R$ 80084744	R$ 78762886
Common Equity		75,079,777	73,747,016
Shareholders' equity		110,457,476	100,442,413
Minority / Other		68,072	60,615
Prudential adjustments	[1]	(35,445,771)	(26,756,012)
Additional Capital		5,004,967	5,015,870
Tier II capital		24,588,090	22,363,950
Subordinated debts (Resolution No. 4.192/13)		16,947,024	9,803,498
Subordinated debts (prior to Resolution No. 4.192/13)		7,641,066	12,560,452
Reference Equity (a)		104,672,834	101,126,836
Credit risk		554,928,771	589,977,243
Market risk	[2]	8,908,205	15,767,767
Operational risk		47,605,162	50,443,507
Risk-weighted assets - RWA (b)		611,442,138	656,188,517
Banking Book's Interest Rate Risk		3,527,467	4,142,339
Margin (Capital Buffer)	[3]	R$ 34226583	R$ 28084702
Basel ratio (a/b)		17.10%	15.40%
Tier I capital		13.10%	12.00%
- Common equity		12.30%	11.20%
- Additional Capital		0.80%	0.80%
[1]	As per January 2017, the factor applied to prudential adjustments went from 60% to 80%, according to the timeline for application of deductions of prudential adjustments, defined in Article11 of CMN Resolution no 4,192/13; and
[2]	For purposes of calculation of the market risk, the capital requirement will be the lower between the internal model and 80% of the standard model, pursuant to Circular Letter No. 3.646/13 of Central Bank of Brazil; and
[3]	Margin = Minimum (PR – PRE; PR Level I - RWA * 6%; PR Principal - RWA * 4.5%) - Additional Principal Capital.

Risk Management (Details 32)

Risk Management (Details 32) - Prudential - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Risk-weighted assets (RWA)
Credit risk		R$ 554928771	R$ 589977243
Risk Weight of 0%		0	0
Risk Weight of 2%		314,012	271,970
Risk Weight of 20%		2,224,147	10,725,736
Risk Weight of 35%		10,208,602	9,114,590
Risk Weight of 50%		25,635,506	32,434,787
Risk Weight of 75%		114,553,059	117,017,519
Risk Weight of 85%		105,938,759	144,006,730
Risk Weight of 100%		261,909,360	239,369,280
Risk Weight of 250%		28,139,531	27,655,131
Risk Weight of 300%		2,920,531	6,825,567
Risk Weight up to 1,250%		3,085,264	2,555,933
Market risk	[1]	8,908,205	15,767,767
Fixed-rate in Reais		5,696,584	10,537,134
Foreign Currency Coupon		838,259	7,028,051
Price Index Coupon		1,756,973	342,400
Interest Rate Coupon			13,499
Equities		637,924	67,392
Commodities		449,546	32,466
Exposure to Gold, Foreign Currencies and Exchange		3,657,957	4,194,380
Operational risk		47,605,162	50,443,507
Corporate Finance		1,369,491	1,380,459
Trading and Sales		1,667,449	2,866,659
Retail		9,308,681	8,349,268
Commercial		21,518,843	20,699,277
Payment and Settlement		6,132,749	10,143,694
Financial Agent Services		3,628,257	3,465,556
Asset Management		3,827,848	3,392,327
Retail Brokerage		151,844	146,266
Total Risk Weighted Assets		611,442,138	656,188,517
Total Capital Requirement		56,558,398	64,798,616
Banking Portfolio's Interest Rate Risk		3,527,467	4,142,339
Addicional Common equity (ACPS)	[2]	9,171,632	4,101,178
ACP Conservation		7,643,027	4,101,178
ACP Systemic		R$ 1528605	R$ 0
[1]	For purposes of calculation of the market risk, the capital requirement will be the lower between the internal model and 80% of the standard model, pursuant to Circular Letter No. 3.646/13 of Central Bank of Brazil; and
[2]	In 2017, the value of ACP Conservation represents 1.25% of the amount of RWA. The Systemic ACP represents 0.25% of the amount of RWA (Systemic Relevance Factor determined according to Circular Letter No. 3.768 of the CBB - Total Exposure and GDP of the year before last in relation to the base date: R$ 988.5 billion and R$ 6 trillion, respectively. The contracyclical ACP represents 0% of the amount of RWA, pursuant to Communication No. 31.478 of the CBB with disclosure and effectiveness in December/17, where the RWA of the loan risk to the non-banking private sector (RWACPrNB) is R$ 496.2 billion in Brazil.

Risk Management (Details 33)

Risk Management (Details 33) R$ in Thousands	12 Months Ended
	Dec. 31, 2017BRL (R$)
Interest rate
Sensibility test for Life Insurance with Survival
Percentage adjustment to each assumption:	Variation of -5%
Tradicional plans (contributing period)Tradicional plans (contributing period)	R$ 60733
PGBL and VGBL (contributing period)	(5,446)
All plans(retirement benefit period)	(112,782)
Total	R$ 178961
Longevity
Sensibility test for Life Insurance with Survival
Percentage adjustment to each assumption:	+0.2 p.p.
Tradicional plans (contributing period)Tradicional plans (contributing period)	R$ 5057
PGBL and VGBL (contributing period)	(504)
All plans(retirement benefit period)	(35,507)
Total	R$ 41068
Conversion to income
Sensibility test for Life Insurance with Survival
Percentage adjustment to each assumption:	+ 5 p.p.
Tradicional plans (contributing period)Tradicional plans (contributing period)	R$ 21691
PGBL and VGBL (contributing period)	(18,409)
Total	R$ 40100

Risk Management (Details 34)

Risk Management (Details 34) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Gross of reinsurance | Auto
Reinsurance
Reinsurance	R$ 22347	R$ 21205
Gross of reinsurance | RE (Elementary branch)
Reinsurance
Reinsurance	(9,940)	(10,809)
Gross of reinsurance | Life
Reinsurance
Reinsurance	(28,146)	(28,358)
Gross of reinsurance | Health
Reinsurance
Reinsurance	(97,923)	(89,907)
Net of reinsurance | Auto
Reinsurance
Reinsurance	(22,347)	(21,205)
Net of reinsurance | RE (Elementary branch)
Reinsurance
Reinsurance	(8,893)	(9,333)
Net of reinsurance | Life
Reinsurance
Reinsurance	(28,050)	(28,277)
Net of reinsurance | Health
Reinsurance
Reinsurance	R$ 97923	R$ 89907

Risk Management (Details 35)

Risk Management (Details 35) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Auto
Net premiums written by type of insurance, net of reinsurance
Insurance	R$ 4086705	R$ 3924444
RE (Elementary branch)
Net premiums written by type of insurance, net of reinsurance
Insurance	1,525,848	1,593,662
Tradicional plans
Net premiums written by type of insurance, net of reinsurance
Insurance	1,788,420	1,499,401
Life and Pension
Net premiums written by type of insurance, net of reinsurance
Insurance	6,904,576	6,354,034
VGBL
Net premiums written by type of insurance, net of reinsurance
Insurance	28,650,153	28,377,786
PGBL
Net premiums written by type of insurance, net of reinsurance
Insurance	R$ 3301623	R$ 2386631

Risk Management (Details Text)

Risk Management (Details Text) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017		Dec. 31, 2016		Jan. 31, 2017
Risk Management (Details Text)
Maximum credit risk exposure		R$ 1383965461		R$ 1390511535
Cash and balances with banks		81,742,951		72,554,651
Other financial assets		599,199,362		497,974,002
Financial assets held for trading		241,710,041		213,139,846
Financial assets available for sale		159,412,722		113,118,554
Investments held to maturity		39,006,118		43,002,028
Recorded in off-balance sheet accounts		283,089,393		316,298,033
Other exposures subject to credit risk		419,933,755
Derivative financial instruments		13,866,885		16,755,442
Loans and advances to banks		32,253,205		94,845,534
Loans and advances to customers		R$ 373813665		392,083,873
Portfolio of loans and advances to customers		4.70%
Neither past due nor impaired		R$ 321595918		R$ 337337152
Loans and advances, which despite being past due, do not provide indications of possible impairment - Portfolio		2.90%		3.20%
Loans and advances to customers impaired		R$ 41533433		R$ 42133815
Debt securities issued by companies		468,214		114,069
Bonds of the Brazilian public debt		116,773		668,115
Derivatives of the Brazilian public debt				(16,296)
Total net credit risk value of negative		584,987		765,888
Effect on the calculation of required shareholders' equity of negative		49,162		11,977
The mark-to-market of the protection rates that remunerates the counterparty that received the risk		R$ 195		(1,067)
Value at Risk (VaR)		99.00%
DI Futures contracts at B3		R$ 16030487		21,502,218
Hedge DI securities		14,708,544		21,476,571
The adjustment to the market, registered in the shareholders' equity		40,060		43,190
The adjustment to the market, registered in the shareholders' equity, net of tax effects		24,036		25,914
Risk of DI interest rates by using DI Futuro contracts in B3		6,769,979
Object of hedge as funds referenced to the DI		6,671,048
The adjustment to market, recorded in shareholders' equity		(84,044)
The adjustment to market, recorded in shareholders' equity, net of tax effects		(50,426)
Functional currency is other than Reais, using Forward contracts		1,110,888
Functional currency is other than Reais, using Forward contracts, investment abroad denominated in MXN (Mexican Peso)		582,567
The mark-to-market adjustment these operations, recorded in shareholders' equity		(59,739)
The mark-to-market adjustment these operations, recorded in shareholders' equity, net of tax effects		(35,843)
VaR of Trading Portfolio net of tax effects		14,417
Total High Quality Liquid Assets (HQLA)		R$ 125596242
Redemptions and non-renewals retail and wholesale funding without collateral (unsecured)		54.00%
Transfers out of Level 3 of fair value hierarchy, assets				(1,562,225)
Derivative Assets and Liabilities - Transfer to investments held to maturity		R$ 12419003		12,419,003
Portion concerning Market Risk		80.00%
Capital margin		25.00%
Weighted Average Amount
Risk Management (Details Text)
Cash inflows	[2]	R$ 42438620	[1]	42,376,396	[3]
Average in the year
Risk Management (Details Text)
Value at risk		168,751		198,274
Maximum in the year
Risk Management (Details Text)
Value at risk		R$ 387884		R$ 371395
Application of deductions of prudential adjustments I
Risk Management (Details Text)
Factor applied to prudential adjustments						60.00%
Application of deductions of prudential adjustments II
Risk Management (Details Text)
Factor applied to prudential adjustments						80.00%
Prudential
Risk Management (Details Text)
Capital adequacy ratio		17.10%
Tier I capital		13.10%		12.00%
- Common equity		12.30%		11.20%
Margin (Capital Buffer)	[4]	R$ 34226583		R$ 28084702
Margin (Capital Buffer) - Increase in loan operations (Retail)		R$ 672758390
Daily hypothetical and effective P&L over the last 250 business days
Risk Management (Details Text)
Value at Risk (VaR)				99.00%
Maximum credit risk exposure - Increase
Risk Management (Details Text)
Credit risk exposure		0.50%
Cash and bank deposits
Risk Management (Details Text)
Credit risk exposure		6.00%
Other financial assets
Risk Management (Details Text)
Credit risk exposure		43.30%
Recorded in off-balance sheet accounts
Risk Management (Details Text)
Credit risk exposure		20.50%		22.60%
Other exposures subject to credit risk
Risk Management (Details Text)
Credit risk exposure		30.30%
Derivative financial instruments - Refers basically to over-the-counter contracts
Risk Management (Details Text)
Credit risk exposure		99.40%
Derivative financial instruments - Low credit risk
Risk Management (Details Text)
Credit risk exposure		93.00%
Loans and advances to customers assessed to be neither past due nor impaired - Low risk
Risk Management (Details Text)
Credit risk exposure		96.20%
Loans and advances to customers impaired
Risk Management (Details Text)
Credit risk exposure		11.10%		10.70%
Variation on prices
Risk Management (Details Text)
Applicable tax rate				1.00%
Variation on prices | Scenario 2
Risk Management (Details Text)
Applicable tax rate		25.00%
Variation on prices | Scenario 3
Risk Management (Details Text)
Applicable tax rate		50.00%
For a 1-year fixed interest rate | Scenario 1
Risk Management (Details Text)
Applicable tax rate		6.90%
For a 1-year fixed interest rate | Scenario 2
Risk Management (Details Text)
Applicable tax rate		6.90%
For a 1-year fixed interest rate | Scenario 3
Risk Management (Details Text)
Applicable tax rate		6.90%
Scenario was applied | Scenario 1
Risk Management (Details Text)
Applicable tax rate		6.91%
Scenario was applied | Scenario 2
Risk Management (Details Text)
Applicable tax rate		8.62%
Scenario was applied | Scenario 3
Risk Management (Details Text)
Applicable tax rate		10.35%
Exchange rate | Scenario 1
Risk Management (Details Text)
Average foreign exchange rate		3.14
Exchange rate | Scenario 2
Risk Management (Details Text)
Average foreign exchange rate		3.14
Exchange rate | Scenario 3
Risk Management (Details Text)
Average foreign exchange rate		3.14
Scenario was used | Scenario 1
Risk Management (Details Text)
Average foreign exchange rate		3.17
Scenario was used | Scenario 2
Risk Management (Details Text)
Average foreign exchange rate		3.93
Scenario was used | Scenario 3
Risk Management (Details Text)
Average foreign exchange rate		4.72
[1]	Calculated based on the simple daily average of the months that compose the quarter (61 observations);
[2]	Corresponds to the value after application of the weighting factors; and
[3]	Calculated based on the simple average of the closing of the months that compose the quarter (3 observations);
[4]	Margin = Minimum (PR – PRE; PR Level I - RWA * 6%; PR Principal - RWA * 4.5%) - Additional Principal Capital.

Estimates and judgments (Detail

Estimates and judgments (Details Text) R$ in Thousands	12 Months Ended
	Dec. 31, 2017BRL (R$)
Estimates And Judgments Details Text [Abstract]
Probability of default (PD)	10.00%
Increased the allowance for impairment	R$ 503667

Operating segments (Details 1)

Operating segments (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Information by operating segment
Net interest income		R$ 50642913	R$ 56662989	R$ 55636042
Net fee and commission income		22,748,828	20,341,051	17,820,670
Net gains/(losses) on financial instruments classified as held for trading		9,623,108	16,402,770	(8,252,055)
Net gains/(losses) on financial instruments classified as available for sale		570,358	(1,341,400)	(671,810)
Net gain / (loss) on held-to-maturity investments		(54,520)	0	0
Net gains/(losses) on foreign currency transactions		1,422,957	150,757	(3,523,095)
Net income from insurance and pension plans		6,239,990	4,155,763	5,497,505
Other operating income/(loss)		17,801,893	19,367,890	(6,949,455)
Impairment of loans and advances		(16,860,835)	(15,350,278)	(14,721,152)
Personnel expenses		(20,723,265)	(17,003,783)	(14,058,047)
Other administrative expenses		(16,882,461)	(16,149,563)	(13,721,970)
Depreciation and amortization		(4,568,568)	(3,658,413)	(2,942,003)
Other operating income/(expenses)		(10,133,357)	(14,004,162)	(12,988,553)
Other operating expense		(69,168,486)	(66,166,199)	(58,431,725)
Income before income taxes and share of profit of associates and joint ventures		22,025,148	30,205,731	8,075,532
Equity in net income of associates		1,718,411	1,699,725	1,528,051
Income before income taxes		23,743,559	31,905,456	9,603,583
Income tax and social contribution		(6,428,956)	(13,912,730)	8,634,322
Net income for the year		17,314,603	17,992,726	18,237,905
Attributable to controlling shareholders		17,089,364	17,894,249	18,132,906
Attributable to non-controlling interest		225,239	98,477	104,999
Total assets		1,224,353,440	1,192,029,656	1,026,703,522
Investment book value		8,257,384	7,002,778	5,815,325
Total liabilities		1,106,659,736	1,086,550,449	935,788,760
Banking
Information by operating segment
Net interest income		46,997,327	49,156,109	46,934,849
Net fee and commission income		24,143,561	20,696,785	19,195,003
Net gains/(losses) on financial instruments classified as held for trading		6,011,351	14,918,934	(7,199,397)
Net gains/(losses) on financial instruments classified as available for sale		(685,560)	(1,417,647)	(370,947)
Net gain / (loss) on held-to-maturity investments		(54,520)
Net gains/(losses) on foreign currency transactions		1,422,957	150,757	(3,523,095)
Other operating income/(loss)		6,694,228	13,652,044	(11,093,439)
Impairment of loans and advances		(17,895,929)	(18,829,460)	(16,479,985)
Personnel expenses		(19,261,590)	(15,733,611)	(13,103,515)
Other administrative expenses		(17,175,352)	(14,979,689)	(13,076,913)
Depreciation and amortization		(5,555,033)	(3,786,599)	(2,752,946)
Other operating income/(expenses)		(9,282,411)	(14,421,152)	(11,726,387)
Other operating expense		(69,170,315)	(67,750,511)	(57,139,746)
Income before income taxes and share of profit of associates and joint ventures		8,664,801	15,754,427	(2,103,333)
Equity in net income of associates		1,497,268	1,538,058	1,358,047
Income before income taxes		10,162,069	17,292,485	(745,286)
Income tax and social contribution		(887,289)	(7,995,420)	12,621,169
Net income for the year		9,274,780	9,297,065	11,875,883
Attributable to controlling shareholders		9,272,962	9,293,766	11,874,609
Attributable to non-controlling interest		1,818	3,299	1,274
Total assets		988,063,541	921,916,290	894,579,942
Investment book value		6,364,246	5,512,372	4,479,642
Total liabilities		875,887,257	821,182,152	804,576,173
Insurance, pension and capitalization bonds
Information by operating segment
Net interest income		1,857,926	5,374,229	5,973,694
Net fee and commission income		787,014	651,482	1,497,890
Net gains/(losses) on financial instruments classified as held for trading		3,641,626	1,250,639	(627,343)
Net gains/(losses) on financial instruments classified as available for sale		713,425	805,051	(353,679)
Net income from insurance and pension plans		6,239,990	4,155,763	5,496,147
Other operating income/(loss)		10,595,041	6,211,453	4,515,125
Personnel expenses		(1,589,077)	(1,387,935)	(1,217,211)
Other administrative expenses		(1,391,439)	(1,331,349)	(1,137,706)
Depreciation and amortization		(393,618)	(365,656)	(321,462)
Other operating income/(expenses)		(889,065)	243,631	(963,525)
Other operating expense		(4,263,199)	(2,841,309)	(3,639,904)
Income before income taxes and share of profit of associates and joint ventures		8,976,782	9,395,855	8,346,805
Equity in net income of associates		217,035	168,691	166,865
Income before income taxes		9,193,817	9,564,546	8,513,670
Income tax and social contribution		(4,156,153)	(3,915,822)	(3,192,918)
Net income for the year		5,037,664	5,648,724	5,320,752
Attributable to controlling shareholders		4,812,425	5,550,662	5,215,765
Attributable to non-controlling interest		225,239	98,062	104,987
Total assets		295,699,951	266,642,197	209,789,872
Investment book value		1,847,099	1,416,617	1,255,326
Total liabilities		257,329,282	266,143,979	188,809,573
Other operations, adjustments and eliminations
Information by operating segment
Net interest income	[1]	1,787,660	2,132,651	2,727,499
Net fee and commission income	[1]	(2,181,747)	(1,007,216)	(2,872,223)
Net gains/(losses) on financial instruments classified as held for trading	[1]	(29,869)	233,197	(425,315)
Net gains/(losses) on financial instruments classified as available for sale	[1]	542,493	(728,804)	52,816
Net income from insurance and pension plans	[1]			1,358
Other operating income/(loss)	[1]	512,624	(495,607)	(371,141)
Impairment of loans and advances	[1]	1,035,094	3,479,182	1,758,833
Personnel expenses	[1]	127,402	117,763	262,679
Other administrative expenses	[1]	1,684,330	161,475	492,649
Depreciation and amortization	[1]	1,380,083	493,842	132,405
Other operating income/(expenses)	[1]	38,119	173,359	(298,641)
Other operating expense	[1]	4,265,028	4,425,621	2,347,925
Income before income taxes and share of profit of associates and joint ventures	[1]	4,383,565	5,055,449	1,832,060
Equity in net income of associates	[1]	4,108	(7,024)	3,139
Income before income taxes	[1]	4,387,673	5,048,425	1,835,199
Income tax and social contribution	[1]	(1,385,514)	(2,001,488)	(793,929)
Net income for the year	[1]	3,002,159	3,046,937	1,041,270
Attributable to controlling shareholders	[1]	3,003,977	3,049,821	1,042,532
Attributable to non-controlling interest	[1]	(1,818)	(2,884)	(1,262)
Total assets	[1]	(59,410,052)	3,471,169	(77,666,292)
Investment book value	[1]	46,039	73,789	80,357
Total liabilities	[1]	R$ 26556803	R$ 775682	R$ 57596986
[1]	Other operation represents less than 1% of total assets/liabilities and the net income for the year. The main adjustments from the information disclosed in segments columns are related to the difference between the IFRS and the Segment Report Information as impairment for loans and advance and effective interest rate.

Operating segments (Details Tex

Operating segments (Details Text)	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Operating Segments Details Text [Abstract]
Total assets/liabilities and the net income for the year	1.00%
No income from transactions with a single customer or counterparty abroad	10.00%	10.00%	10.00%

Net interest income (Details 1)

Net interest income (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest And Similar Income [Abstract]
Loans and advances to banks	R$ 5073435	R$ 8689348	R$ 8349194
Loans and advances to customers:
- Loans	64,767,081	69,530,396	62,472,012
- Leasing transactions	254,009	343,626	444,502
Financial assets:
- For trading	13,684,574	23,576,526	13,982,927
- Available for sale	11,351,320	11,572,618	11,629,493
- Held to maturity	4,883,103	6,514,933	5,253,616
Pledged as collateral	21,268,934	21,739,202	20,270,191
Compulsory deposits with the Central Bank	4,881,319	5,667,516	4,587,412
Other financial interest income	68,553	66,210	58,905
Total	126,232,328	147,700,375	127,048,252
Deposits from banks:
- Interbank deposits	(152,550)	(127,617)	(74,814)
- Funding in the open market	(22,564,515)	(26,767,039)	(23,509,785)
- Borrowings and onlending	(3,068,552)	(3,865,411)	(3,092,184)
Deposits from customers:
- Savings accounts	(5,730,457)	(6,712,509)	(6,450,258)
- Time deposits	(7,536,161)	(8,746,203)	(5,942,386)
Funds from issuance of securities	(13,262,613)	(17,124,502)	(11,570,606)
Subordinated debt	(5,100,017)	(6,298,555)	(4,669,830)
Insurance technical provisions and pension plans	(18,174,550)	(21,395,550)	(16,102,347)
Total	(75,589,415)	(91,037,386)	(71,412,210)
Net interest income	R$ 50642913	R$ 56662989	R$ 55636042

Net fee and commission incom136

Net fee and commission income (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net fee and commission income (Tables) [Abstract]
Credit cards	R$ 6848855	R$ 6251963	R$ 5875029
Current accounts	6,652,711	6,030,640	4,941,947
Collections	1,965,601	1,777,515	1,573,818
Guarantees	1,570,522	1,438,409	1,265,356
Asset management	1,463,469	1,079,653	1,054,424
Consortium management	1,526,660	1,278,753	1,040,109
Custody and brokerage services	754,966	618,750	556,701
Underwriting	801,219	733,530	540,879
Payments	409,267	373,639	382,427
Other	755,558	758,235	626,183
Total	22,748,828	20,341,087	17,856,873
Fee and commission expenses
Financial system services		(36)	(36,203)
Total	0	(36)	(36,203)
Net fee and commission income	R$ 22748828	R$ 20341051	R$ 17820670

Net gains_(losses) on financ137

Net gains/(losses) on financial instruments classified as held for trading (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net gains/(losses) on financial instruments classified as held for trading [Abstract]
Fixed income securities	R$ 9862617	R$ 4654959	R$ 5174739
Derivative financial instruments	(1,426,160)	10,887,800	(4,267,748)
Equity securities	1,186,651	860,011	1,190,432
Total	R$ 9623108	R$ 16402770	R$ 8252055

Net gains_(losses) on financ138

Net gains/(losses) on financial instruments classified as available for sale (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net gains/(losses) on financial instruments classified as available for sale [Abstract]
Fixed income securities	[1]	R$ 49963	R$ 1918595	R$ 346032
Equity securities	[1]	437,054	459,223	(577,401)
Dividends received		83,341	117,972	251,623
Total		R$ 570358	R$ 1341400	R$ 671810
[1]	Includes impairment losses of R$ 1,729,039 thousand (2016 - R$ 2,106,107 thousand and 2015 - R$ 424,552 thousand).

Net gains_(losses) on financ139

Net gains/(losses) on financial instruments classified as available for sale (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net Gainslosses On Financial Instruments Classified As Available For Sale Details Text [Abstract]
Impairment losses	R$ 1729039	R$ 2106107	R$ 424522

Net income from insurance an140

Net income from insurance and pension plans (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net income from insurance and pension plans [Abstract]
Written premiums	R$ 65864591	R$ 62470571	R$ 55920681
Supplemental pension plan contributions	5,090,043	3,679,922	3,795,219
Granted coinsurance premiums	(49,715)	(70,862)	(88,612)
Refunded premiums	(667,196)	(746,244)	(522,309)
Net written premiums earned	70,237,723	65,333,387	59,104,979
Reinsurance premiums paid	(191,088)	(306,265)	(344,199)
Premiums retained from insurance and pension plans	70,046,635	65,027,122	58,760,780
Changes in the provision for insurance	(30,435,868)	(29,729,884)	(25,528,076)
Changes in the provision for private pension plans	(4,369,903)	(3,052,034)	(2,757,963)
Changes in the technical provisions for insurance and pension plans	(34,805,771)	(32,781,918)	(28,286,039)
Reported indemnities	(25,924,687)	(24,877,804)	(21,658,594)
Claims expenses	(36,068)	(119,201)	(69,599)
Recovery of ceded coinsurance	35,332	65,285	87,053
Recovery of reinsurance	116,913	141,711	407,195
Salvage recoveries	488,057	451,930	402,718
Changes in the IBNR provision	(274,509)	(204,354)	(892,816)
Retained claims	(25,594,962)	(24,542,433)	(21,724,043)
Commissions on premiums	(2,700,131)	(2,696,002)	(1,985,426)
Recovery of commissions	19,334	29,927	21,700
Fees	(403,835)	(489,279)	(1,201,216)
Brokerage expenses - private pension plans	(153,552)	(167,654)	(188,037)
Changes in deferred commissions	(167,728)	(224,000)	99,786
Selling expenses for insurance and pension plans	(3,405,912)	(3,547,008)	(3,253,193)
Net income from insurance and pension plans	R$ 6239990	R$ 4155763	R$ 5497505

Impairment of loans and adva141

Impairment of loans and advances (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Impairment of loans and advances [Abstract]
Impairment losses	R$ 25780383	R$ 22357042	R$ 19527976
Recovery of credits charged-off as losses	7,034,857	5,507,507	4,144,879
Reversal of impairment	1,884,691	1,499,257	661,945
Total	R$ 16860835	R$ 15350278	R$ 14721152

Personnel expenses (Details 1)

Personnel expenses (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Classes of employee benefits expense [abstract]
Salaries	R$ 9170556	R$ 8236617	R$ 6369727
Benefits	(5,385,133)	(3,625,796)	(2,994,155)
Social security charges	(3,505,290)	(2,862,067)	(2,402,112)
Employee profit sharing	(1,572,472)	(1,451,310)	(1,304,958)
Provision for labor claims	(927,136)	(663,124)	(853,660)
Training	(162,678)	(164,869)	(133,435)
Total	R$ 20723265	R$ 17003783	R$ 14058047

Other administrative expense143

Other administrative expenses (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other Administrative Expense [Abstract]
Outsourced services	R$ 4748308	R$ 4871194	R$ 4139058
Communication	(1,684,153)	(1,653,055)	(1,427,685)
Data processing	(2,117,085)	(1,612,454)	(1,222,433)
Advertising and marketing	(942,851)	(1,124,659)	(963,308)
Asset maintenance	(1,158,840)	(1,060,856)	(926,001)
Financial system	(1,033,017)	(1,047,618)	(830,199)
Rental	(1,142,166)	(1,027,561)	(887,412)
Security and surveillance	(818,221)	(736,547)	(606,292)
Transport	(782,444)	(719,842)	(631,085)
Water, electricity and gas	(405,515)	(384,069)	(339,267)
Advances to FGC (Deposit Guarantee Association)	(418,670)	(355,540)	(303,094)
Supplies	(263,527)	(321,509)	(315,135)
Travel	(261,911)	(174,772)	(157,723)
Other	(1,105,753)	(1,059,887)	(973,278)
Total	R$ 16882461	R$ 16149563	R$ 13721970

Depreciation and amortizatio144

Depreciation and amortization (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Depreciation and amortization (Tables) [Abstract]
Amortization expenses	R$ 3331240	R$ 2516777	R$ 1884281
Depreciation	(1,237,328)	(1,141,636)	(1,057,722)
Total	R$ 4568568	R$ 3658413	R$ 2942003

Other operating income_(expe145

Other operating income/(expenses) (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other operating income/(expenses) [Abstract]
Tax expenses		R$ 5960618	R$ 6331651	R$ 4791754
Legal provision		(1,238,057)	(2,927,734)	(1,439,460)
Variation in monetary liabilities		31,710	(699,719)	(597,240)
Income from sales of non-current assets, investments, and property and equipment, net		(412,957)	(467,042)	(277,232)
Other	[1]	(2,553,435)	(3,578,016)	(5,882,867)
Total		R$ 10133357	R$ 14004162	R$ 12988553
[1]	Includes: (i) the effect of the (additions)/reversal of provision for tax contingency in 2017 - R$ 487,269 thousand (2016 - R$ (484,227) thousand and 2015 - R$ (570,835) thousand); (ii) impairment losses in the amount of 2017 - R$ 185,188 thousand (2016 - R$ 31,256 thousand and 2015 - R$ 207,880 thousand); and (iii) operating expense related of insurance operation in 2017 - R$ 1,354,719 thousand (2016 - R$ 1,388,645 thousand and 2015 - R$ 1,281,381 thousand).

Other operating income_(expe146

Other operating income/(expenses) (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other Operating Incomeexpenses Details Text [Abstract]
Effect of the (additions)/reversal of provision for tax contingency	R$ 487269	R$ 484227	R$ 570835
Impairment losses in the amount	185,188	31,256	207,880
Operating expense related of insurance operation	R$ 1354719	R$ 1388645	R$ 1281381

Income tax and social contri147

Income tax and social contribution (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Calculation Of Income Tax And Social Contribution Charges [Abstract]
Income before income tax and social contribution		R$ 23743559	R$ 31905456	R$ 9603583
Total burden of income tax and social contribution at the current rates	[1]	(10,684,602)	(14,357,455)	(4,321,612)
Effect of additions and exclusions in the tax calculation:
Earnings (losses) of associates and joint ventures		773,285	764,876	687,623
Interest on shareholders' equity (paid and payable)		3,241,955	3,139,102	2,305,695
Net tax credit of deferred liabilities	[2]			2,341,220
Other amounts	[3]	240,406	(3,459,253)	7,621,396
Income tax and social contribution		R$ 6428956	R$ 13912730	R$ 8634322
Effective rate		27.10%	43.60%	(89.90%)
[1]	Current rates: (i) 25% for income tax; (ii) of 15% for the social contribution to financial and equated companies, and of the insurance industry, and of 20%, from September 2015 to December 2018, in accordance with Law no 13,169/15; and (iii) of 9% for the other companies (Note 2w);
[2]	In 2015, refers to, constitution of deferred tax assets, net of deferred liabilities, related to the increase in the social contribution tax rate, according to Law no 13,169/15; and
[3]	Basically, includes, (i) the exchange rate variation of assets and liabilities, derived from investments abroad; (ii) the equalization of the effective rate of social contribution in relation to the rate of 45% shown; and (iii) the deduction incentives.

Income tax and social contri148

Income tax and social contribution (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current Taxes [Abstract]
Income tax and social contribution payable	R$ 8788060	R$ 8852947	R$ 6075948
Deferred taxes:
Net Addition/(realization) of temporary differences	2,950,961	(4,106,008)	11,424,595
Use of opening balances of:
Social contribution loss	(430,584)	(647,282)	(127,214)
Income tax loss	(331,512)	(879,276)	(65,224)
Addition on:
Social contribution loss	150,371	234,730	272,793
Income tax loss	19,868	338,053	731,419
Activation of the tax credit - Law No. 13,169/15:
Social contribution loss			422,853
Temporary additions			2,051,048
Total deferred tax expense	2,359,104	(5,059,783)	14,710,270
Income tax and social contribution	R$ 6428956	R$ 13912730	R$ 8634322

Income tax and social contri149

Income tax and social contribution (Details 3) - BRL (R$) R$ in Thousands		Dec. 31, 2017		Dec. 31, 2016	Dec. 31, 2015
Amount recorded
Deferred income tax and social contribution
Provisions of impairment of loans and advances		R$ 12264028		R$ 12948736
Provision for contingencies		1,782,500		2,498,218
Adjustment to market value of securities		1,724,016		282,741
Other		4,773,082		3,135,635
Total tax assets on temporary differences	[1]	20,543,626		18,865,330
Income tax and social contribution losses in Brazil and abroad	[1]	170,239		572,783
Adjustment to market value of available for sale	[1]	576,732		393,369
Total deferred tax assets	[2]	21,290,597		19,831,482
Deferred tax liabilities	[2]	3,557,618		1,920,479
Net deferred taxes	[2]	17,732,979		17,911,003
Realized / Decrease
Deferred income tax and social contribution
Provisions of impairment of loans and advances		8,771,818	[3]	16,493,156
Provision for contingencies		1,907,251	[3]	2,077,267
Adjustment to market value of securities		3,268,623	[3]	1,994,699
Other		3,644,973	[3]	2,406,216
Total tax assets on temporary differences	[1]	17,592,665	[3]	22,971,338
Income tax and social contribution losses in Brazil and abroad	[1]	762,096	[3]	1,526,558
Adjustment to market value of available for sale	[1]	1,069,900	[3]	2,636,805
Social contribution - MP 2,158-35 (change in tax law)				113,783
Total deferred tax assets	[2]	19,424,661	[3]	27,248,484
Deferred tax liabilities	[2]	817,831	[3]	1,550,630
Net deferred taxes	[2]	18,606,830	[3]	25,697,854
Balance on
Deferred income tax and social contribution
Provisions of impairment of loans and advances		26,503,863		23,011,653	R$ 22617097
Provision for contingencies		7,226,483		7,351,234	5,720,598
Adjustment to market value of securities		3,943,875		5,488,482	7,090,939
Other		5,809,566		4,681,457	3,511,581
Total tax assets on temporary differences	[1]	43,483,787		40,532,826	38,940,215
Income tax and social contribution losses in Brazil and abroad	[1]	5,003,872		5,595,729	5,761,626
Adjustment to market value of available for sale	[1]			493,168	2,704,484
Social contribution - MP 2,158-35 (change in tax law)					113,783
Total deferred tax assets	[2]	48,487,659		46,621,723	47,520,108
Deferred tax liabilities	[2]	6,007,595		3,267,808	2,894,367
Net deferred taxes	[2]	R$ 42480064		43,353,915	R$ 44625741
Balance originating from an acquired institution
Deferred income tax and social contribution
Provisions of impairment of loans and advances	[4]			3,938,976
Provision for contingencies	[4]			1,209,685
Adjustment to market value of securities	[4]			109,501
Other	[4]			440,457
Total tax assets on temporary differences	[1],[4]			5,698,619
Income tax and social contribution losses in Brazil and abroad	[1],[4]			787,878
Adjustment to market value of available for sale	[1],[4]			32,120
Total deferred tax assets	[2],[4]			6,518,617
Deferred tax liabilities	[2],[4]			3,592
Net deferred taxes	[2],[4]			R$ 6515025
[1]	Deferred tax assets of financial and similar companies and insurance industry were established considering the increase of the social contribution rate, determined by Law 11.727/08 and Law 13.169/15 (Note 2 x); and
[2]	Deferred income and social contribution tax assets and liabilities are offset in the balance sheet by taxable entity, and were R$ 4,755,748 thousand in 2017 and R$ 1,504,860 thousand in 2016;
[3]	Includes a write-off of tax credits, in the amount of R$ 150,040 thousand.
[4]	HSBC Brasil (Note 2a);

Income tax and social contri150

Income tax and social contribution (Details 4) R$ in Thousands	12 Months Ended
	Dec. 31, 2017BRL (R$)
Temporary differences
Expected realization of deferred tax assets
Income tax	R$ 26784302
Social contribution	16,699,485
Temporary differences | 2018
Expected realization of deferred tax assets
Income tax	6,189,592
Social contribution	4,778,522
Temporary differences | 2019
Expected realization of deferred tax assets
Income tax	6,106,611
Social contribution	3,500,573
Temporary differences | 2020
Expected realization of deferred tax assets
Income tax	5,444,841
Social contribution	3,163,487
Temporary differences | 2021
Expected realization of deferred tax assets
Income tax	4,408,140
Social contribution	2,609,808
Temporary differences | 2022
Expected realization of deferred tax assets
Income tax	2,534,237
Social contribution	1,470,379
Temporary differences | After 2022
Expected realization of deferred tax assets
Income tax	2,100,881
Social contribution	1,176,716
Income tax and Social contribution losses
Expected realization of deferred tax assets
Income tax	2,618,009
Social contribution	2,385,863
Income tax and Social contribution losses | 2018
Expected realization of deferred tax assets
Income tax	157,668
Social contribution	303,794
Income tax and Social contribution losses | 2019
Expected realization of deferred tax assets
Income tax	143,705
Social contribution	80,058
Income tax and Social contribution losses | 2020
Expected realization of deferred tax assets
Income tax	139,825
Social contribution	78,361
Income tax and Social contribution losses | 2021
Expected realization of deferred tax assets
Income tax	620,279
Social contribution	367,041
Income tax and Social contribution losses | 2022
Expected realization of deferred tax assets
Income tax	732,490
Social contribution	478,318
Income tax and Social contribution losses | After 2022
Expected realization of deferred tax assets
Income tax	824,042
Social contribution	1,078,291
Total
Expected realization of deferred tax assets
Total	48,487,659
Total | 2018
Expected realization of deferred tax assets
Total	11,429,576
Total | 2019
Expected realization of deferred tax assets
Total	9,830,947
Total | 2020
Expected realization of deferred tax assets
Total	8,826,514
Total | 2021
Expected realization of deferred tax assets
Total	8,005,268
Total | 2022
Expected realization of deferred tax assets
Total	5,215,424
Total | After 2022
Expected realization of deferred tax assets
Total	R$ 5179930

Income tax and social contri151

Income tax and social contribution (Details 5) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deferred Tax Liabilities [Abstract]
Timing differences of depreciation - finance leasing	R$ 283232	R$ 381119
Adjustment to market value of securities	1,215,588	213,404
Judicial deposit and others	4,508,775	2,673,285
Total	R$ 6007595	R$ 3267808

Income tax and social contri152

Income tax and social contribution (Details 6) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Before tax
Income tax and social contribution on adjustments recognized directly in equity
Financial assets recorded as available for sale	R$ 3418567	R$ 6298103	R$ 5677902
Exchange differences on translations of foreign operations	23,010	(194,566)	118,485
Total	3,441,577	6,103,537	(5,559,417)
Tax (expense)/ benefit
Income tax and social contribution on adjustments recognized directly in equity
Financial assets recorded as available for sale	(1,231,202)	(2,587,076)	2,273,982
Exchange differences on translations of foreign operations	5,992	87,555	(57,788)
Total	(1,225,210)	(2,499,521)	2,216,194
Net of tax
Income tax and social contribution on adjustments recognized directly in equity
Financial assets recorded as available for sale	2,187,365	3,711,027	(3,403,920)
Exchange differences on translations of foreign operations	29,002	(107,011)	60,697
Total	R$ 2216367	R$ 3604016	R$ 3343223

Income tax and social contri153

Income tax and social contribution (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended		40 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2018
Income tax and social contribution (Details Text)
Equalization of the effective rate of social contribution in relation to the rate	45.00%
Deferred tax assets and deferred tax liabilities are offset in the consolidated statement of financial position	R$ 4755748	R$ 1504860
Write-off of tax credits	R$ 150040
Income tax
Income tax and social contribution (Details Text)
Applicable tax rate		25.00%
Social contribution
Income tax and social contribution (Details Text)
Applicable tax rate		15.00%
Social contribution - Insurance industry
Income tax and social contribution (Details Text)
Applicable tax rate			20.00%
Social contribution - Other companies
Income tax and social contribution (Details Text)
Applicable tax rate		9.00%

Earnings per share (Details 1)

Earnings per share (Details 1) - BRL (R$) R$ / shares in Units, shares in Thousands, R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	[1]	Dec. 31, 2015	[1]
Basic earnings per share
Net earnings attributable to the Organization's common shareholders (R$ thousand)	R$ 8157920	R$ 8542147		R$ 8652905
Net earnings attributable to the Organization's preferred shareholders (R$ thousand)	R$ 8931444	R$ 9352102		R$ 9480001
Weighted average number of common shares outstanding (thousands)	3,049,991	3,049,991		3,050,156
Weighted average number of preferred shares outstanding (thousands)	3,035,625	3,035,625		3,037,917
Common shares
Basic earnings per share
Basic earnings per share attributable to shareholders of the Organization (in Reais)	R$ 2.67	R$ 2.80		R$ 2.84
Preferred shares
Basic earnings per share
Basic earnings per share attributable to shareholders of the Organization (in Reais)	R$ 2.94	R$ 3.08		R$ 3.12
[1]	All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017, in the proportion of one new share for every 10 shares held.

Earnings per share (Details Tex

Earnings per share (Details Text) - shares	Mar. 10, 2017	Mar. 10, 2016
Earnings Per Share Details Text [Abstract]
Share bonus	10	10,000

Cash and cash equivalents (Deta

Cash and cash equivalents (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Cash [abstract]
Cash and due from banks in domestic currency		R$ 12939852	R$ 12432290
Cash and due from banks in foreign currency		2,088,498	2,085,650
Compulsory deposits with the Central Bank	[1]	66,714,226	58,036,531
Other		375	180
Total		R$ 81742951	R$ 72554651
[1]	Compulsory deposits with the Brazilian Central Bank refer to a minimum balance that financial institutions must maintain at the Brazilian Central Bank based on a percentage of deposits received from third parties.

Cash and cash equivalents (D157

Cash and cash equivalents (Details 2) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash and cash equivalents [Abstract]
Cash and due from banks in domestic currency		R$ 12939852	R$ 12432290
Cash and due from banks in foreign currency		2,088,498	2,085,650
Interbank investments	[1]	141,025,717	166,712,307
Other		375	180
Total		R$ 156054442	R$ 181230427	R$ 147261434	R$ 204671481
[1]	Refers to operations with maturity date on the effective date of investment equal to or less than 90 days and insignificant risk of change in the fair value. Of this amount, R$ 123,691,195 thousand (2016 - R$ 84,728,590 thousand) refers to reverse repurchase agreements registered as Financial assets pledged as collateral (Note 23) and R$ 17,334,522 thousand (2016 - R$ 81,983,717 thousand) as Loans and advances to banks.

Cash and cash equivalents (D158

Cash and cash equivalents (Details Text) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Cash and balances with banks (Details Text)
Interbank investments	[1]	R$ 123691195	R$ 84728590
Loans and advances to banks
Cash and balances with banks (Details Text)
Interbank investments		R$ 17334522	R$ 81983717
[1]	Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement.

Financial assets and liabili159

Financial assets and liabilities held for trading (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Financial Assets Held For Trading [Abstract]
Brazilian government securities	R$ 202249272	R$ 161103399
Bank debt securities	8,348,269	18,600,127
Corporate debt and marketable equity securities	12,339,790	10,383,682
Mutual funds	4,377,508	4,303,781
Brazilian sovereign bonds	307	1,358,025
Foreign governments securities	528,010	635,390
Derivative financial instruments	13,866,885	16,755,442
Total	R$ 241710041	R$ 213139846

Financial assets and liabili160

Financial assets and liabilities held for trading (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Financial Assets Held For Trading Maturity [Abstract]
Maturity of up to one year	R$ 31617538	R$ 35002911
Maturity of one to five years	146,527,365	134,589,655
Maturity of five to 10 years	53,763,561	29,299,698
Maturity of over 10 years	2,409,723	6,537,358
Maturity not stated	7,391,854	7,710,224
Total	R$ 241710041	R$ 213139846

Financial assets and liabili161

Financial assets and liabilities held for trading (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Financial Liabilities Held For Trading [Abstract]
Derivative financial instruments	R$ 14274999	R$ 13435678
Total	R$ 14274999	R$ 13435678

Financial assets and liabili162

Financial assets and liabilities held for trading (Details 4) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Futures contracts | Purchases | Others
Derivative financial instruments
Notional amounts	R$ 163224	R$ 48291
Asset/(liability)	162	0
Futures contracts | Purchases | In foreign currency
Derivative financial instruments
Notional amounts	48,376,597	27,399,904
Asset/(liability)	1,243	0
Futures contracts | Sales | Others
Derivative financial instruments
Notional amounts	113,772	967
Asset/(liability)	(114)	0
Futures contracts | Sales | In foreign currency
Derivative financial instruments
Notional amounts	67,238,635	58,690,018
Asset/(liability)	(1,003)	0
Futures contracts | Interest rate futures | Purchases
Derivative financial instruments
Notional amounts	96,081,180	111,026,397
Asset/(liability)	3,586	9,022
Futures contracts | Interest rate futures | Sales
Derivative financial instruments
Notional amounts	132,837,699	94,677,587
Asset/(liability)	(154,188)	(19,163)
Options | Purchases | Interest rates
Derivative financial instruments
Notional amounts	10,663,668	5,467,042
Asset/(liability)	101,214	260,565
Options | Purchases | Others
Derivative financial instruments
Notional amounts	443,443	27,500
Asset/(liability)	34,013	2,708
Options | Purchases | In foreign currency
Derivative financial instruments
Notional amounts	7,335,027	7,567,515
Asset/(liability)	605,028	57,533
Options | Sales | Interest rates
Derivative financial instruments
Notional amounts	9,616,129	4,755,788
Asset/(liability)	(535,748)	(193,768)
Options | Sales | Others
Derivative financial instruments
Notional amounts	228,141	0
Asset/(liability)	(20,188)	(6,533)
Options | Sales | In foreign currency
Derivative financial instruments
Notional amounts	10,274,094	2,836,294
Asset/(liability)	(409,587)	(62,356)
Forward operations | Purchases | Others
Derivative financial instruments
Notional amounts	114,020	48,911
Asset/(liability)	497,987	1,586,061
Forward operations | Purchases | In foreign currency
Derivative financial instruments
Notional amounts	10,372,477	16,633,033
Asset/(liability)	218,019	1,599,401
Forward operations | Sales | Others
Derivative financial instruments
Notional amounts	635,522	1,588,245
Asset/(liability)	(147,138)	(1,581,169)
Forward operations | Sales | In foreign currency
Derivative financial instruments
Notional amounts	14,947,271	18,036,706
Asset/(liability)	(358,995)	(1,088,041)
Swap contracts | Currency swaps | Liability position
Derivative financial instruments
Notional amounts	14,288,568	14,201,872
Asset/(liability)	(1,618,035)	(6,766,366)
Swap contracts | Interest rate swaps | Liability position
Derivative financial instruments
Notional amounts	31,454,647	36,746,464
Asset/(liability)	(11,030,003)	(3,718,282)
Swap contracts | Asset position | Currency swaps
Derivative financial instruments
Notional amounts	6,161,641	7,276,143
Asset/(liability)	1,340,538	3,645,707
Swap contracts | Asset position | Interest rate swaps
Derivative financial instruments
Notional amounts	56,636,856	72,297,999
Asset/(liability)	R$ 11065095	R$ 9799949

Financial assets and liabili163

Financial assets and liabilities held for trading (Details Text) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financial Assets And Liabilities Held For Trading Details Text [Abstract]
held for trading	R$ 801182	R$ 6282141
Total assets held for trading pledged as a guarantee of liabilities	5,874,620	5,846,093
Unrealized gains/(losses) on securities and trading securities	(4,745,888)	(9,404,052)	R$ 7425562
Net variation in unrealized gains/(losses) from securities and trading securities	R$ 4658164	R$ 1978490	R$ 8303360

Financial assets available f164

Financial assets available for sale (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Financial assets available for sale
Brazilian government securities	R$ 103281758	R$ 59198028
Corporate debt securities	39,978,630	42,142,708
Bank debt securities	1,183,853	1,559,043
Brazilian sovereign bonds	728,127	401,214
Foreign governments securities	3,202,547
Marketable equity securities and other stocks	11,037,807	9,817,561
Balance on	159,412,722	113,118,554
Amortized cost
Financial assets available for sale
Brazilian government securities	101,822,760	58,484,065
Corporate debt securities	40,875,928	43,821,686
Bank debt securities	1,251,066	1,626,211
Brazilian sovereign bonds	719,494	395,626
Foreign governments securities	3,210,554
Marketable equity securities and other stocks	11,302,834	9,966,872
Balance on	159,182,636	114,294,460
Gross unrealized gains
Financial assets available for sale
Brazilian government securities	1,881,077	1,323,156
Corporate debt securities	836,715	1,011,275
Bank debt securities	169,142	121,745
Brazilian sovereign bonds	27,326	7,319
Foreign governments securities	175
Marketable equity securities and other stocks	620,896	389,291
Balance on	3,535,331	2,852,786
Gross unrealized losses
Financial assets available for sale
Brazilian government securities	(422,079)	(609,193)
Corporate debt securities	(1,734,013)	(2,690,253)
Bank debt securities	(236,355)	(188,913)
Brazilian sovereign bonds	(18,693)	(1,731)
Foreign governments securities	(8,182)
Marketable equity securities and other stocks	(885,923)	(538,602)
Balance on	R$ 3305245	R$ 4028692

Financial assets available f165

Financial assets available for sale (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Maturity
Financial assets available for sale	R$ 159412722	R$ 113118554
Due within one year
Maturity
Financial assets available for sale	31,167,067	11,905,872
From 1 to 5 years
Maturity
Financial assets available for sale	83,816,085	60,251,675
From 5 to 10 years
Maturity
Financial assets available for sale	16,363,350	18,994,970
Over 10 years
Maturity
Financial assets available for sale	17,028,413	12,148,476
No stated maturity
Maturity
Financial assets available for sale	11,037,807	9,817,561
Amortized cost
Maturity
Financial assets available for sale	159,182,636	114,294,460
Amortized cost | Due within one year
Maturity
Financial assets available for sale	31,635,369	12,690,168
Amortized cost | From 1 to 5 years
Maturity
Financial assets available for sale	83,579,399	60,071,806
Amortized cost | From 5 to 10 years
Maturity
Financial assets available for sale	16,004,079	19,677,065
Amortized cost | Over 10 years
Maturity
Financial assets available for sale	16,660,955	11,888,549
Amortized cost | No stated maturity
Maturity
Financial assets available for sale	R$ 11302834	R$ 9966872

Financial assets available f166

Financial assets available for sale (Details Text) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financial Assets Available For Sale Details Text [Abstract]
Financial instruments pledged as collateral and classified as available for sale	[1]	R$ 59482796	R$ 64275415
Financial assets available for sale pledged as a guarantee for liabilities		4,391,259	5,517,516
Net gains/(losses) on financial instruments classified as available for sale. - impairment losses		R$ 1729039	R$ 2106107	R$ 424522
[1]	In 2017, includes unrealized gains of R$ 3,246,351 thousand (2016 - R$ 2,052,366 thousand) and unrealized losses of R$ 557,974 thousand (2016 - R$ 1,443,642 thousand); and

Investments held to maturity (D

Investments held to maturity (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities:
Brazilian government securities	R$ 26738940	R$ 30241947
Corporate debt securities	12,259,564	12,739,187
Brazilian sovereign bonds	7,614	20,894
Total	39,006,118	43,002,028
Gross unrealized gains
Securities:
Brazilian government securities	2,442,844	2,918,273
Corporate debt securities	126,092	28,750
Brazilian sovereign bonds	0	878
Total	2,568,936	2,947,901
Gross unrealized losses
Securities:
Brazilian government securities	(6,489)	(306,566)
Corporate debt securities	(421,874)	(1,388,614)
Brazilian sovereign bonds	(420)	0
Total	(428,783)	(1,695,180)
Fair value
Securities:
Brazilian government securities	29,175,295	32,853,654
Corporate debt securities	11,963,782	11,379,323
Brazilian sovereign bonds	7,194	21,772
Total	R$ 41146271	R$ 44254749

Investments held to maturity168

Investments held to maturity (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Maturity
Due within one year	R$ 29412	R$ 0
From 1 to 5 years	10,284,940	12,932,440
From 5 to 10 years	1,933,866	3,068,980
Over 10 years	26,757,900	27,000,608
Total	39,006,118	43,002,028
Fair value
Maturity
Due within one year	28,998	0
From 1 to 5 years	11,070,179	13,133,746
From 5 to 10 years	1,840,428	2,905,497
Over 10 years	28,206,666	28,215,506
Total	R$ 41146271	R$ 44254749

Investments held to maturity169

Investments held to maturity (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Investments Held To Maturity Details Text [Abstract]
Financial instruments pledged as collateral and classified as held to maturity		R$ 431
Investments held to maturity pledged as a guarantee for liabilities	R$ 2005	1,825
Losses on investments held-to-maturity	R$ 54520	R$ 0	R$ 0

Financial assets pledged as 170

Financial assets pledged as collateral (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Assets Financial Pledged As Collateral [Abstract]
Held for trading		R$ 801182	R$ 6282141
Brazilian government securities		801,182	6,282,141
Available for sale	[1]	59,482,796	64,275,415
Brazilian government securities		53,039,884	55,530,423
Corporate debt securities		825,287	3,899,878
Bank debt securities		4,904,070	4,742,273
Brazilian sovereign bonds		713,555	102,841
Held to maturity		0	431
Brazilian government securities		0	431
Loans and advances to banks		123,691,195	84,728,590
Interbank investments	[2]	123,691,195	84,728,590
Total		R$ 183975173	R$ 155286577
[1]	In 2017, includes unrealized gains of R$ 3,246,351 thousand (2016 - R$ 2,052,366 thousand) and unrealized losses of R$ 557,974 thousand (2016 - R$ 1,443,642 thousand); and
[2]	Refers to reverse repurchase agreements in which the underlying security has subsequently been sold in a separate repurchase agreement.

Financial assets pledged as 171

Financial assets pledged as collateral (Details Text) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Financial assets pledged as collateral (Details Text)
Financial instruments pledged as collateral and classified as available for sale - Unrealized gains	R$ 3246351	R$ 2052366
Financial instruments pledged as collateral and classified as available for sale - Unrealized losses	557,974	1,443,642
May be repledged
Financial assets pledged as collateral (Details Text)
Collateral is a conditional commitment to ensure that the contractual clauses of a repurchase agreements are complied	178,964,158	147,673,043
Sold or repledged
Financial assets pledged as collateral (Details Text)
Collateral is a conditional commitment to ensure that the contractual clauses of a repurchase agreements are complied	R$ 5011015	R$ 7613534

Loans and advances to banks (De

Loans and advances to banks (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Loans and advances to banks [Abstract]
Repurchase agreements		R$ 21045591	R$ 85178146
Loans to financial institutions		11,207,614	9,667,388
Impairment of loans and advances		(5,481)	(7,398)
Total	[1]	R$ 32247724	R$ 94838136
[1]	Amounts of loans and receivables are presented net of the provision for impairment losses.

Loans and advances to custom173

Loans and advances to customers (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Loans and advances to customers [Abstract]
Working capital		R$ 52700584	R$ 60390890
Personal credit	[1]	60,570,146	56,255,740
Housing loans		59,963,375	60,458,038
Financing and export		38,272,982	41,983,307
Onlending BNDES/Finame		30,655,666	35,816,560
Credit card		37,568,984	37,407,733
Vehicle loans		24,741,298	23,699,948
Rural loans		13,642,478	14,422,799
Import		5,318,042	7,140,346
Overdraft for corporates		6,587,239	8,583,285
Receivable insurance premiums		4,301,472	5,517,932
Overdraft for individuals		3,582,020	4,209,637
Leasing		2,249,859	2,738,611
Other		33,659,520	33,459,047
Total Portfolio		373,813,665	392,083,873
Impairment of loans and advances		(27,055,566)	(24,780,839)	R$ 25455204
Total of net loans and advances to customers	[2]	R$ 346758099	R$ 367303034
[1]	Includes in 2017 R$ 43,968,511 thousand related to payroll loans (2016 - R$ 38,804,196 thousand).
[2]	Amounts of loans and receivables are presented net of the provision for impairment losses.

Loans and advances to custom174

Loans and advances to customers (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Allowance For Loans And Advances To Customers [Abstract]
At the beginning of the year	R$ 24780839	R$ 25455204
Impairment of loans and advances	16,860,835	15,350,278	R$ 14721152
Recovery of credits charged-off as losses	7,034,857	5,507,507	4,144,879
Write-offs	(21,620,965)	(21,532,150)
At the end of the year	R$ 27055566	R$ 24780839	R$ 25455204

Loans and advances to custom175

Loans and advances to customers (Details 3) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Gross Investments In Financial Leases Receivable [Abstract]
Up to one year	R$ 1118286	R$ 1418546
From one to five years	1,082,149	1,279,347
Over five years	49,424	40,718
Impairment loss on finance leases	(146,812)	(186,594)
Total	2,103,047	2,552,017
Net investments in finance leases:
Up to one year	1,034,188	1,300,659
From one to five years	1,021,089	1,212,322
Over five years	R$ 47770	R$ 39036

Loans and advances to custom176

Loans and advances to customers (Details Text) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans And Advances To Customers Details Text [Abstract]
Personal credit - payroll loans	R$ 43968511	R$ 38804196

Non-current assets held for 177

Non-current assets held for sale (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets Not For Own Use [Abstract]
Real estate	R$ 1250380	R$ 1262126
Vehicles and related	262,774	308,357
Machinery and equipment	2,037	5,529
Other	5,782	2,954
Total	R$ 1520973	R$ 1578966

Non-current assets held for 178

Non-current assets held for sale (Details Text)	12 Months Ended
	Dec. 31, 2017
Noncurrent Assets Held For Sale Details Text [Abstract]
The properties or other non-current assets received in total or partial settlement of the payment obligations of debtors	one year

Investments in associates an179

Investments in associates and joint ventures (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Breakdown of investments in associates and joint ventures
Investment book value		R$ 8257384	R$ 7002778	R$ 5815325
Equity in net income of associates		1,718,411	1,699,725	1,528,051
Associates and joint ventures current assets		93,946,146	33,277,701	24,135,254
Associates and joint ventures non - current assets		26,992,289	22,391,305	14,412,915
Associates and joint ventures current liabilities		89,194,631	34,948,570	17,041,545
Associates and joint ventures non - current liabilities		10,720,340	2,417,942	11,143,879
Revenue	[1]	17,421,168	7,908,280	14,787,246
Associates and joint ventures net income (loss) for the year		6,014,365	5,656,103	4,866,890
Elo Participações S.A.
Breakdown of investments in associates and joint ventures
Investment book value		978,195	849,355	686,951
Equity in net income of associates		162,070	198,457	243,073
Associates and joint ventures current assets		420,804	352,179	223,332
Associates and joint ventures non - current assets		1,776,837	1,596,527	1,438,988
Associates and joint ventures current liabilities		96,763	107,627	144,169
Associates and joint ventures non - current liabilities		3,967	0	15
Revenue	[1]	18,708	18,879	14,669
Associates and joint ventures net income (loss) for the year		R$ 324075	R$ 396835	R$ 486049
Company	[2]	Elo Participações S.A.	Elo Participações S.A.	Elo Participações S.A.
Equity interest		50.01%	50.01%	50.01%
Shareholding interest with voting rights		50.01%	50.01%	50.01%
Crediare S.A. – Crédito, Financiamento e Investimento
Breakdown of investments in associates and joint ventures
Investment book value		R$ 68231	R$ 64174	R$ 65030
Equity in net income of associates		12,393	8,721	10,400
Associates and joint ventures current assets		339,236	443,978	439,594
Associates and joint ventures non - current assets		119,406	3,883	4,301
Associates and joint ventures current liabilities		324,764	317,298	312,036
Associates and joint ventures non - current liabilities		0	0	0
Revenue	[1]	161,107	164,026	158,124
Associates and joint ventures net income (loss) for the year		R$ 24786	R$ 17442	R$ 20800
Company		Crediare S.A. – Crédito, Financiamento e Investimento	Crediare S.A. – Crédito, Financiamento e Investimento	Crediare S.A. – Crédito, Financiamento e Investimento
Equity interest		50.00%	50.00%	50.00%
Shareholding interest with voting rights		50.00%	50.00%	50.00%
MPO - Processadora de Pagamentos Móveis S.A.
Breakdown of investments in associates and joint ventures
Investment book value		R$ 0	R$ 3	R$ 6551
Equity in net income of associates		(39)	(49)	716
Associates and joint ventures current assets		2,198	3,538	380,801
Associates and joint ventures non - current assets		1,612	0	11,362
Associates and joint ventures current liabilities		2	3,532	379,061
Associates and joint ventures non - current liabilities		3,881	0	0
Revenue	[1]	227	256	313,065
Associates and joint ventures net income (loss) for the year		R$ 78	R$ 98	R$ 1432
Company		MPO - Processadora de Pagamentos Móveis S.A.	MPO - Processadora de Pagamentos Móveis S.A.	MPO - Processadora de Pagamentos Móveis S.A.
Equity interest		50.00%	50.00%	50.00%
Shareholding interest with voting rights		50.00%	50.00%	50.00%
Leader S.A. Adm. de Cartões de Crédito
Breakdown of investments in associates and joint ventures
Investment book value				R$ 52
Equity in net income of associates			R$ 23227	(1,013)
Associates and joint ventures current assets				2,920
Associates and joint ventures non - current assets				278
Associates and joint ventures current liabilities				3,095
Associates and joint ventures non - current liabilities				0
Revenue				1,790
Associates and joint ventures net income (loss) for the year				R$ 2026
Company	[3],[4]		Leader S.A. Adm. de Cartões de Crédito	Leader S.A. Adm. de Cartões de Crédito
Equity interest				50.00%
Shareholding interest with voting rights				50.00%
Total investments in joint ventures
Breakdown of investments in associates and joint ventures
Investment book value		R$ 1046426	R$ 913532	R$ 758584
Equity in net income of associates		174,424	183,902	253,176
Associates and joint ventures current assets		762,238	799,695	1,046,647
Associates and joint ventures non - current assets		1,897,855	1,600,410	1,454,929
Associates and joint ventures current liabilities		421,529	428,457	838,361
Associates and joint ventures non - current liabilities		7,848	0	15
Revenue	[1]	180,042	183,161	487,648
Associates and joint ventures net income (loss) for the year		R$ 348783	R$ 414179	R$ 506255
Cielo S.A.
Breakdown of investments in associates and joint ventures
Company	[5]	Cielo S.A.	Cielo S.A.	Cielo S.A.
Equity interest		30.06%	30.06%	30.06%
Shareholding interest with voting rights		30.06%	30.06%	30.06%
Investment book value		R$ 4832660	R$ 4108743	R$ 3302071
Equity in net income of associates		1,219,202	1,204,520	1,043,743
Associates and joint ventures current assets		76,403,596	13,699,378	13,755,540
Associates and joint ventures non - current assets		13,151,540	10,654,621	10,806,140
Associates and joint ventures current liabilities		71,020,292	15,004,712	8,199,287
Associates and joint ventures non - current liabilities		6,833,491	0	9,696,767
Revenue	[1]	2,561,394	392,167	239,386
Associates and joint ventures net income (loss) for the year		R$ 4056077	R$ 4007233	R$ 3472355
IRB - Brasil Resseguros S.A.
Breakdown of investments in associates and joint ventures
Company	[3],[6]	IRB - Brasil Resseguros S.A.	IRB - Brasil Resseguros S.A.	IRB - Brasil Resseguros S.A.
Equity interest		15.23%	20.51%	20.51%
Shareholding interest with voting rights		15.23%	20.51%	20.51%
Investment book value		R$ 543025	R$ 662460	R$ 658949
Equity in net income of associates		182,432	132,668	138,165
Associates and joint ventures current assets		8,512,491	8,484,793	8,922
Associates and joint ventures non - current assets		6,124,173	5,828,133	5,768
Associates and joint ventures current liabilities		10,138,711	10,238,221	10,639
Associates and joint ventures non - current liabilities		947,514	844,876	785
Revenue	[1]	3,550,438	3,185	3,144
Associates and joint ventures net income (loss) for the year		R$ 1197846	R$ 646823	R$ 673650
Fleury S.A.
Breakdown of investments in associates and joint ventures
Company	[3],[7]	Fleury S.A.	Fleury S.A.	Fleury S.A.
Equity interest		16.28%	16.39%	16.39%
Shareholding interest with voting rights		16.28%	16.39%	16.39%
Investment book value		R$ 692380	R$ 651906	R$ 512642
Equity in net income of associates		46,791	17,506	6,262
Associates and joint ventures current assets		1,389,026	1,343,162	1,124,788
Associates and joint ventures non - current assets		2,224,500	2,021,981	268,829
Associates and joint ventures current liabilities		615,510	429,411	299,033
Associates and joint ventures non - current liabilities		1,263,331	1,166,607	1,408,157
Revenue	[1]	2,609,717	2,045,898	1,845
Associates and joint ventures net income (loss) for the year		R$ 287414	R$ 106829	R$ 38206
Aquarius Participações S.A.
Breakdown of investments in associates and joint ventures
Company	[8]	Aquarius Participações S.A.	Aquarius Participações S.A.
Equity interest		49.00%	49.00%
Shareholding interest with voting rights		49.00%	49.00%
Investment book value		R$ 263630	R$ 263632
Equity in net income of associates		116,070	73,640
Associates and joint ventures current assets		242,617	150,233
Associates and joint ventures non - current assets		532,707	538,267
Associates and joint ventures current liabilities		237,305	150,474
Associates and joint ventures non - current liabilities		0	0
Revenue	[1]	38	0
Associates and joint ventures net income (loss) for the year		R$ 236878	R$ 150286
Fidelity Processadora S.A.
Breakdown of investments in associates and joint ventures
Company	[8]			Fidelity Processadora S.A.
Equity interest				49.00%
Shareholding interest with voting rights				49.00%
Investment book value				R$ 254785
Equity in net income of associates				68,312
Associates and joint ventures current assets				450,267
Associates and joint ventures non - current assets				402,702
Associates and joint ventures current liabilities				332,997
Revenue	[1]			19,546
Associates and joint ventures net income (loss) for the year				R$ 139412
Haitong Banco de Investimento do Brasil S.A.
Breakdown of investments in associates and joint ventures
Company		Haitong Banco de Investimento do Brasil S.A.	Haitong Banco de Investimento do Brasil S.A.	Haitong Banco de Investimento do Brasil S.A.
Equity interest		20.00%	20.00%	20.00%
Shareholding interest with voting rights		20.00%	20.00%	20.00%
Investment book value		R$ 105649	R$ 127922	R$ 130248
Equity in net income of associates		(22,637)	1,596	(5,377)
Associates and joint ventures current assets		3,588,848	8,187,596	7,227,947
Associates and joint ventures non - current assets		1,283,453	493,325	563,950
Associates and joint ventures current liabilities		3,565,394	8,041,309	7,140,656
Associates and joint ventures non - current liabilities		726,468	0	0
Revenue	[1]	5,432,770	4,243,442	13,834,551
Associates and joint ventures net income (loss) for the year		R$ 113185	R$ 7980	R$ 26886
Cia. Brasileira de Gestão e Serviços S.A.
Breakdown of investments in associates and joint ventures
Company		Cia. Brasileira de Gestão e Serviços S.A.	Cia. Brasileira de Gestão e Serviços S.A.	Cia. Brasileira de Gestão e Serviços S.A.
Equity interest		41.85%	41.85%	41.85%
Shareholding interest with voting rights		41.85%	41.85%	41.85%
Investment book value		R$ 118781	R$ 102251	R$ 83735
Equity in net income of associates		16,530	18,517	17,660
Associates and joint ventures current assets		285,871	247,475	203,030
Associates and joint ventures non - current assets		118,394	109,390	93,487
Associates and joint ventures current liabilities		33,305	44,890	35,986
Associates and joint ventures non - current liabilities		8,320	0	1,590
Revenue	[1]	61,185	22,642	13,247
Associates and joint ventures net income (loss) for the year		R$ 39498	R$ 44246	R$ 42197
Tecnologia Bancaria S.A.
Breakdown of investments in associates and joint ventures
Company	[3]	Tecnologia Bancária S.A.	Tecnologia Bancária S.A.
Equity interest		24.32%	24.32%
Shareholding interest with voting rights		24.32%	24.32%
Investment book value		R$ 108752	R$ 98543
Equity in net income of associates		10,209	71,232
Associates and joint ventures current assets		242,480	193,546
Associates and joint ventures non - current assets		75,702	1,117,398
Associates and joint ventures current liabilities		590,872	499,341
Associates and joint ventures non - current liabilities		496,090	406,459
Revenue	[1]	2,534,235	686,800
Associates and joint ventures net income (loss) for the year		R$ 41973	R$ 292862
NCR Brasil Indústria de Equipamentos para Automação S.A.
Breakdown of investments in associates and joint ventures
Company	[3],[9]	NCR Brasil Indústria de Equipamentos para Automação S.A.	NCR Brasil Indústria de Equipamentos para Automação S.A.	NCR Brasil S.A.
Equity interest		49.00%	49.00%	49.00%
Shareholding interest with voting rights		49.00%	49.00%	49.00%
Investment book value		R$ 46039	R$ 73789	R$ 80357
Equity in net income of associates		4,108	(7,024)	7,101
Associates and joint ventures current assets		221,809	171,823	206,315
Associates and joint ventures non - current assets		28,788	27,780	27,146
Associates and joint ventures current liabilities		141,520	111,755	134,533
Associates and joint ventures non - current liabilities		0	0	0
Revenue	[1]	1,270	330,985	71,177
Associates and joint ventures net income (loss) for the year		R$ 8384	R$ 14335	R$ 14492
Swiss Re Corporate Solutions Brasil
Breakdown of investments in associates and joint ventures
Company	[3]	Swiss Re Corporate Solutions Brasil
Equity interest		40.00%
Shareholding interest with voting rights		40.00%
Investment book value		R$ 463400
Equity in net income of associates		(26,437)
Associates and joint ventures current assets		2,178,209
Associates and joint ventures non - current assets		1,511,924
Associates and joint ventures current liabilities		2,411,600
Associates and joint ventures non - current liabilities		437,278
Revenue	[1]	490,079
Associates and joint ventures net income (loss) for the year		R$ 66093
Gestora de Inteligência de Crédito S.A.
Breakdown of investments in associates and joint ventures
Company	[3]	Gestora de Inteligência de Crédito S.A.
Equity interest		20.00%
Shareholding interest with voting rights		20.00%
Investment book value		R$ 29513
Equity in net income of associates		(4,642)
Associates and joint ventures current assets		118,961
Associates and joint ventures non - current assets		43,253
Associates and joint ventures current liabilities		18,594
Associates and joint ventures non - current liabilities		0
Revenue	[1]	0
Associates and joint ventures net income (loss) for the year		R$ 23210
Empresa Brasileira de Solda Elétrica S.A.
Breakdown of investments in associates and joint ventures
Company			Empresa Brasileira de Solda Elétrica S.A.	Empresa Brasileira de Solda Elétrica S.A.
Equity interest				49.00%
Shareholding interest with voting rights				49.00%
Investment book value				R$ 33954
Equity in net income of associates			R$ 3168	(5,769)
Associates and joint ventures current assets				101,151
Associates and joint ventures non - current assets				48,161
Associates and joint ventures current liabilities				47,519
Associates and joint ventures non - current liabilities				32,499
Revenue				115,874
Associates and joint ventures net income (loss) for the year				R$ 11774
Integritas Participações S.A.
Breakdown of investments in associates and joint ventures
Company	[10]			Integritas Participações S.A.
Investment book value				R$ 0
Equity in net income of associates				4,778
Associates and joint ventures current assets				10,647
Associates and joint ventures non - current assets				741,803
Associates and joint ventures current liabilities				2,534
Associates and joint ventures non - current liabilities				4,066
Revenue				828
Associates and joint ventures net income (loss) for the year				18,983
Other
Breakdown of investments in associates and joint ventures
Company	[3]	0
Equity interest		0.00%
Shareholding interest with voting rights		0.00%
Investment book value		R$ 7129
Equity in net income of associates		2,361
Associates and joint ventures current assets		0
Associates and joint ventures non - current assets		0
Associates and joint ventures current liabilities		0
Associates and joint ventures non - current liabilities		0
Revenue	[1]	0
Associates and joint ventures net income (loss) for the year		0
Total investments in associates
Breakdown of investments in associates and joint ventures
Investment book value		7,210,958	6,089,246	5,056,741
Equity in net income of associates		1,543,987	1,515,823	1,274,875
Associates and joint ventures current assets		93,183,908	32,478,006	23,088,607
Associates and joint ventures non - current assets		25,094,434	20,790,895	12,957,986
Associates and joint ventures current liabilities		88,773,103	34,520,113	16,203,184
Associates and joint ventures non - current liabilities		10,712,492	2,417,942	11,143,864
Revenue	[1]	17,241,126	7,725,119	14,299,598
Associates and joint ventures net income (loss) for the year		R$ 5665582	R$ 5241924	R$ 4360635
[1]	Revenues from financial intermediation or services;
[2]	Brazilian company, holding company that consolidates joint business related to electronic means of payment. In 2017, the Organization received R$ 46,820 thousand of dividends from this investment. In its financial statements, Elo Participacoes S.A. presented R$ 8,109 thousand of other comprehensive income.
[3]	Companies for which the equity accounting adjustments are calculated using statements of financial position and statements of income with lag in relation to the reporting date of these consolidated financial statements;
[4]	In April 2016, it was consolidated after acquisition of 50% of the company;
[5]	Brazilian company, services provider related to credit and debit cards and other means of payment. In 2017, the Organization received R$ 582,483 thousand of dividends and interest on capital of this investment. In financial statements, Cielo S.A. presented R$ 8,814 thousand of other comprehensive income;
[6]	Bradesco has a board member at IRB-Brasil with voting rights, which results in significant influence;
[7]	Participation in Fleury S.A. (i) due to the partial spin-off of Integritas Participações S.A. and, (ii) recorded using equity method as Bradesco has significant influence due its paticipation on the Board of the Directors and other committes;
[8]	In January 2016, Aquarius Participações S.A. was endowed with the contribution of the investment of Fidelity Processadora e Serviços S.A.;
[9]	In 2017, impairment losses were recognized in associates and joint control companies, in the amount of R$ 31,868 thousand, on the investment in NCR Brasil S.A. (In 2016, R$ 37,122 on the investment in EBSE - Empresa Brasileira de Solda Eletrica S.A.); and
[10]	Partial spin-off in October, 2015;

Investments in associates an180

Investments in associates and joint ventures (Details 2) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Changes In Associates [Abstract]
Initial balances		R$ 7002778	R$ 5815325
Acquisitions	[1]	524,155	376,434
Spin-off of associates	[2]	(170,006)	0
Transfer	[3]	5,953	(166,294)
Equity in net income of associates		1,718,411	1,699,725	R$ 1528051
Dividends/Interest on capital		(802,662)	(655,920)
Impairment	[4]	(31,868)	(37,122)
Other		10,623	(29,370)
At the end of the year		R$ 8257384	R$ 7002778	R$ 5815325
[1]	In 2017, it includes the acquisition of interest in (i) Swiss Re Corporate Solutions Brasil; and in (ii) GIC - Gestora de Inteligencia de Credito (In 2016, there was capital increase in Cia. Leader S.A. Administradora de Cartoes de Credito);
[2]	Disposal partial sale of the IRB (Note 43-6);
[3]	In 2016, the investment of Cia. Leader S.A. Administradora de Cartoes de Credito began to be consolidated after acquisition of 50% of the company; and
[4]	In 2017, there were losses on impairment in affiliates and joint ventures, in the amount of R$ 31,868 thousand (R$ 37,122 thousand - 2016).

Investments in associates an181

Investments in associates and joint ventures (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Apr. 30, 2016
Investments In Associates And Joint Ventures Details Text [Abstract]
Brazilian company, services provider related to credit and debit cards and other means of payment - The Organization received of dividends and interest on capital of this investment	R$ 582483
In financial statements, Cielo S.A. - Other comprehensive income	8,814
Consolidated after acquisition the company			50.00%
Impairment losses were recognized in associates and joint control companies	31,868	R$ 37122
Brazilian company, holding company that consolidates joint business related to electronic means of payment - The Organization received of dividends from this investment	46,820
Financial statements, Elo Participações S.A. - Other comprehensive income	8,109
Fair value of investments in associates for which there are quoted market prices	R$ 22340660	R$ 18980026

Property and equipment (Details

Property and equipment (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 8432475	R$ 8397116	R$ 5504435
Buildings
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 1670141	R$ 1698925	582,602
Annual rate of depreciation	4.00%	4.00%
Land
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 982720	R$ 1027535	448,020
Annual rate of depreciation	0.00%	0.00%
Installations, properties and equipment for use
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 2783484	R$ 2872445	2,788,330
Annual rate of depreciation	10.00%	10.00%
Security and communications systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 135349	R$ 132861	59,086
Annual rate of depreciation	10.00%	10.00%
Data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 1621597	R$ 1436248
Annual rate of depreciation	20.00%	20.00%
Transportation systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 38459	R$ 46605	R$ 70237
Annual rate of depreciation	20.00%	20.00%
Financial leasing of data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 1200725	R$ 1182497
Annual rate of depreciation	20.00%	20.00%
Cost
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 16405492	R$ 15514262
Cost | Buildings
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	2,153,407	2,153,351
Cost | Land
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	982,720	1,027,535
Cost | Installations, properties and equipment for use
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	5,450,939	5,187,160
Cost | Security and communications systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	349,228	325,835
Cost | Data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	3,950,625	3,504,229
Cost | Transportation systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	86,705	86,639
Cost | Financial leasing of data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	3,431,868	3,229,513
Accumulated depreciation
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(7,973,017)	(7,117,146)
Accumulated depreciation | Buildings
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(483,266)	(454,426)
Accumulated depreciation | Land
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	0	0
Accumulated depreciation | Installations, properties and equipment for use
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(2,667,455)	(2,314,715)
Accumulated depreciation | Security and communications systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(213,879)	(192,974)
Accumulated depreciation | Data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(2,329,028)	(2,067,981)
Accumulated depreciation | Transportation systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	(48,246)	(40,034)
Accumulated depreciation | Financial leasing of data processing systems
Composition of property and equipment by class
Property and equipment, net of accumulated depreciation	R$ 2231143	R$ 2047016

Property and equipment (Deta183

Property and equipment (Details 2) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Change in property and equipment by class
Balance originating from an acquired institution	[1]	R$ 0	R$ 1797800
Additions		1,897,645	2,779,321
Write-offs		(552,069)	(509,827)
Impairment		(79,194)	(32,977)
Depreciation		(1,237,328)	(1,141,636)	R$ 1057722
Transfer		6,305
Balance on		8,432,475	8,397,116	5,504,435
Buildings
Change in property and equipment by class
Balance originating from an acquired institution	[1]	0	752,619
Additions		117,888	81,809
Write-offs		(53,151)	(30,341)
Impairment		(73,568)	0
Depreciation		(28,840)	(30,179)
Transfer		8,887	342,415
Balance on		1,670,141	1,698,925	582,602
Land
Change in property and equipment by class
Balance originating from an acquired institution	[1]	0	586,971
Additions		41,777	897
Write-offs		(86,592)	(8,353)
Impairment		0	0
Depreciation		0	0
Transfer		0	0
Balance on		982,720	1,027,535	448,020
Installations, properties and equipment for use
Change in property and equipment by class
Balance originating from an acquired institution	[1]	320,949	320,949
Additions		754,606	974,089
Write-offs		(323,217)	(402,316)
Impairment		(502)	0
Depreciation		(521,663)	(466,192)
Transfer		1,815	(342,415)
Balance on		2,783,484	2,872,445	2,788,330
Security and communications systems
Change in property and equipment by class
Balance originating from an acquired institution	[1]	0	77,196
Additions		31,134	22,721
Write-offs		(2,540)	(4,804)
Impairment		(1,836)
Depreciation		(24,270)	(21,338)
Transfer		0
Balance on		135,349	132,861	59,086
Data processing systems
Change in property and equipment by class
Balance originating from an acquired institution	[1],[2]	0	60,065
Additions	[2]	947,314	1,696,318
Write-offs	[2]	(86,469)	(62,386)
Impairment	[2]	(3,288)	(20,543)
Depreciation	[2]	(649,583)	(610,869)
Transfer	[2]	(4,397)	0
Balance on	[2]	2,822,322	2,618,745	1,556,160
Transportation systems
Change in property and equipment by class
Balance originating from an acquired institution	[1]	0	0
Additions		4,926	3,487
Write-offs		(100)	(1,627)
Impairment		0	(12,434)
Depreciation		(12,972)	(13,058)
Transfer		0	0
Balance on		R$ 38459	R$ 46605	R$ 70237
[1]	HSBC Brasil.
[2]	Includes financial lease of data processing systems; and

Property and equipment (Deta184

Property and equipment (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Property And Equipment Details Text [Abstract]
Depreciation expense	R$ 1237328	R$ 1141636	R$ 1057722

Intangible assets and goodwi185

Intangible assets and goodwill (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1]	R$ 3743704	R$ 8773545
Additions/(reductions)		3,743,704	2,343,497
Impairment	[2]	(30,683)	(212,374)
Amortization		(3,331,240)	(2,516,777)
Balance on		16,179,307	15,797,526	R$ 7409635
Goodwill
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1]	0	4,221,787
Additions/(reductions)		0
Impairment	[2]	0
Amortization		0
Balance on		4,945,313	4,945,313	723,526
Acquisition of financial service rights
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1],[3]	0	264,349
Additions/(reductions)	[3]	2,549,335	930,190
Impairment	[2],[3]	0
Amortization	[3]	(1,000,894)	(951,115)
Balance on	[3]	4,051,898	2,503,457	2,260,033
Software
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1],[3]	0	288,826
Additions/(reductions)	[3]	1,203,313	1,284,041
Impairment	[2],[3]	(30,683)	(212,374)
Amortization	[3]	(1,327,456)	(1,055,074)
Balance on	[3]	3,790,418	3,945,244	3,639,825
Customer portfolio
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1],[3]	0	3,993,743
Additions/(reductions)	[3]	0
Impairment	[2],[3]	0
Amortization	[3]	(1,000,234)	(344,283)
Balance on	[3]	3,358,689	4,358,923	709,463
Others
Change in intangible assets and goodwill by class
Balance originating from an acquired institution	[1],[3]	0	4,840
Additions/(reductions)	[3]	(8,944)	129,266
Impairment	[2],[3]	0
Amortization	[3]	(2,656)	(166,305)
Balance on	[3]	R$ 32989	R$ 44589	R$ 76788
[1]	HSBC Brasil; and
[2]	Impairment losses were recognized in the consolidated statement of income, within 'Other operating income/(expenses)'.
[3]	Rate of amortization: acquisition of banking rights - in accordance with contract agreement; software - 20%; Customer portfolio - up to 20%; and others - 20%;

Intangible assets and goodwi186

Intangible assets and goodwill (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Composition Of Goodwill By Segment [Abstract]
Banking	R$ 4651347	R$ 4651347
Insurance, pension and capitalization bonds	293,966	293,966
Total	R$ 4945313	R$ 4945313

Intangible assets and goodwi187

Intangible assets and goodwill (Details Text)	Dec. 31, 2017	Dec. 31, 2016
Intangible assets and goodwill (Details Text)
Calculation uses cash-flow predictions based on financial budgets approved by management, with a terminal growth rate	7.10%	7.60%
The forecast cash flows have been discounted at a rate	13.60%	12.90%
Software
Intangible assets and goodwill (Details Text)
Rate of amortization	20.00%
Customer portfolio
Intangible assets and goodwill (Details Text)
Rate of amortization	20.00%
Others
Intangible assets and goodwill (Details Text)
Rate of amortization	20.00%

Other assets (Details 1)

Other assets (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other assets [Abstract]
Foreign exchange transactions	[1],[2]	R$ 17279327	R$ 17455821
Debtors for guarantee deposits	[1],[3]	17,840,698	16,372,044
Negotiation and intermediation of securities	[1]	1,741,524	1,954,484
Trade and credit receivables	[1]	3,016,225	1,813,144
Deferred acquisition cost (insurance) - Note 35f		1,070,108	1,750,244	R$ 1945238
Other debtors		3,736,743	2,781,206
Prepaid expenses		1,244,602	1,324,362
Income receivable	[1]	1,841,709	1,575,698
Interbank and interdepartmental accounts		1,480,291	949,730
Other	[4]	1,602,760	1,193,637
Total		R$ 50853987	R$ 47170370
[1]	Financial assets are recorded at amortized cost.
[2]	Mainly refers to purchases in foreign currency made by the institution on behalf of customers and rights in the institution's domestic currency, resulting from exchange sale operations;
[3]	Refers to deposits resulting from legal or contractual requirements, including guarantees provided in cash, such as those made for the filing of appeals in departments or courts and those made to guarantee services of any nature;
[4]	Includes basically trade and credit receivables, material supplies, other advances and payments to be reimbursed; and

Deposits from banks (Details 1)

Deposits from banks (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deposits from banks [Abstract]
Demand deposits	R$ 1030292	R$ 898877
Interbank deposits	2,168,625	588,872
Securities sold under agreements to repurchase	233,467,544	241,978,931
Borrowings	18,521,713	22,165,415
Onlending	30,769,294	36,030,587
Total	R$ 285957468	R$ 301662682

Deposits from customers (Detail

Deposits from customers (Details 1) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deposits from customers (Tables) [Abstract]
Demand deposits	R$ 33058324	R$ 32521234
Savings deposits	103,332,697	97,088,828
Time deposits	125,617,424	103,137,867
Total	R$ 262008445	R$ 232747929

Funds from securities issued (D

Funds from securities issued (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Instruments Issued Brazil [Abstract]
Real estate credit notes		R$ 27020911	R$ 26955574
Agribusiness notes		10,973,682	9,116,292
Financial bills		93,570,141	108,512,908
Subtotal		131,564,734	144,584,774
Securities - Overseas:
Euronotes	[1]	634,549	2,785,654
Balance		2,606,322	3,286,342
Subtotal		3,240,871	6,071,996
Structured operations certificates		368,485	445,168
Total		R$ 135174090	R$ 151101938
[1]	Issuance of securities in the foreign market to fund customers foreign exchange operations, export pre-financing, import financing and working capital financing, substantially in the medium and long terms.

Funds from securities issued192

Funds from securities issued (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securitization of the future flow of payment orders received from abroad
Balance	R$ 2606322	R$ 3286342
Date of Issue: 3.06.2008 | Maturity: 5.22.2017
Securitization of the future flow of payment orders received from abroad
Balance	0	87,183
Date of Issue: 12.19.2008 | Maturity: 2.20.2019
Securitization of the future flow of payment orders received from abroad
Balance	348,524	698,551
Date of Issue: 12.17.2009 | Maturity: 2.20.2020
Securitization of the future flow of payment orders received from abroad
Balance	49,594	74,487
Date of Issue: 8.20.2010 | Maturity: 8.21.2017
Securitization of the future flow of payment orders received from abroad
Balance	0	60,938
Date of Issue: 9.29.2010 | Maturity: 8.21.2017
Securitization of the future flow of payment orders received from abroad
Balance	0	34,810
Date of Issue: 11.16.2011 | Maturity: 11.20.2018
Securitization of the future flow of payment orders received from abroad
Balance	26,068	60,989
Date of Issue: 11.16.2011 | Maturity: 11.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	139,678	177,095
Date of Issue: 12.23.2015 | Maturity: 11.21.2022
Securitization of the future flow of payment orders received from abroad
Balance	330,311	348,110
Date of Issue: 12.23.2015 | Maturity: 11.20.2020
Securitization of the future flow of payment orders received from abroad
Balance	318,934	348,662
Date of Issue: 2.02.2016 | Maturity: 2.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	871,260	872,710
Date of Issue: 3.30.2016 | Maturity: 2.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	521,953	R$ 522807
Nominal amount
Securitization of the future flow of payment orders received from abroad
Balance	4,998,763
Nominal amount | Date of Issue: 3.06.2008 | Maturity: 5.22.2017
Securitization of the future flow of payment orders received from abroad
Balance	836,000
Nominal amount | Date of Issue: 12.19.2008 | Maturity: 2.20.2019
Securitization of the future flow of payment orders received from abroad
Balance	1,168,500
Nominal amount | Date of Issue: 12.17.2009 | Maturity: 2.20.2020
Securitization of the future flow of payment orders received from abroad
Balance	89,115
Nominal amount | Date of Issue: 8.20.2010 | Maturity: 8.21.2017
Securitization of the future flow of payment orders received from abroad
Balance	307,948
Nominal amount | Date of Issue: 9.29.2010 | Maturity: 8.21.2017
Securitization of the future flow of payment orders received from abroad
Balance	170,530
Nominal amount | Date of Issue: 11.16.2011 | Maturity: 11.20.2018
Securitization of the future flow of payment orders received from abroad
Balance	88,860
Nominal amount | Date of Issue: 11.16.2011 | Maturity: 11.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	133,290
Nominal amount | Date of Issue: 12.23.2015 | Maturity: 11.21.2022
Securitization of the future flow of payment orders received from abroad
Balance	390,480
Nominal amount | Date of Issue: 12.23.2015 | Maturity: 11.20.2020
Securitization of the future flow of payment orders received from abroad
Balance	390,480
Nominal amount | Date of Issue: 2.02.2016 | Maturity: 2.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	889,725
Nominal amount | Date of Issue: 3.30.2016 | Maturity: 2.22.2021
Securitization of the future flow of payment orders received from abroad
Balance	R$ 533835

Subordinated debt (Details 1)

Subordinated debt (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Subordinated debt
Balance		R$ 50179401	R$ 52611064	R$ 50282936
In Brazil
Subordinated debt
Balance		38,541,679	41,155,877
In Brazil | Maturity: 2019 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance		36,139	33,402
In Brazil | Maturity: 2019 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance		3,436,734	3,423,463
In Brazil | Maturity: 2019 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		28,184	25,212
In Brazil | Maturity: 2017 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance	[1]	0	11,075,463
In Brazil | Maturity: 2017 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance	[1]	0	95,872
In Brazil | Maturity: 2018 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance		10,130,108	9,875,551
In Brazil | Maturity: 2018 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance		316,757	293,357
In Brazil | Maturity: 2018 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		119,417	112,038
In Brazil | Maturity: 2020 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance		2,801	2,612
In Brazil | Maturity: 2020 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		54,383	49,498
In Brazil | Maturity: 2022 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		99,338	91,314
In Brazil | Maturity: 2022 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance		5,597,559	5,050,633
In Brazil | Maturity: 2023 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		1,070,085	1,011,423
In Brazil | Maturity: 2023 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance		1,699,872	1,522,243
In Brazil | Maturity: 2023 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		2,265,488	2,015,625
In Brazil | Maturity: 2024 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance	[2]	73,861	0
In Brazil | Maturity: 2024 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		159,205	143,415
In Brazil | Maturity: 2024 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance		6,611	5,806
In Brazil | Maturity: 2021 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		40,429	37,191
In Brazil | Maturity: 2021 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance		2,027	1,896
In Brazil | Maturity: 2021 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance		13,125	11,813
In Brazil | Maturity: 2025 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		392,376	342,886
In Brazil | Maturity: 2025 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance	[2]	6,624,611	0
In Brazil | Maturity: 2025 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance		457,679	417,641
In Brazil | Maturity: 2026 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		438,776	392,886
In Brazil | Maturity: 2026 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance		4,271	4,001
In Brazil | Maturity: 2027 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance		273,498	0
In Brazil | Maturity: 2027 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance		53,996	48,566
In Brazil | Maturity: 2028 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance		77,079	0
In Brazil | Maturity: Perpetual | Financial bills:
Subordinated debt
Balance		5,004,967	5,015,870
In Brazil | Subordinated CDB: | Maturity: 2019 | Original term in years: 10
Subordinated debt
Balance		62,303	56,200
Overseas:
Subordinated debt
Balance		11,637,722	11,455,187
Overseas: | Maturity: 2019 | Original term in years: 10
Subordinated debt
Balance		2,520,963	2,482,631
Overseas: | Maturity: 2022 | Original term in years: 10
Subordinated debt
Balance		3,697,115	5,333,373
Overseas: | Maturity: 2021 | Original term in years: 11
Subordinated debt
Balance		R$ 5419644	3,639,183
Nominal amount | In Brazil | Maturity: 2019 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance			21,858
Nominal amount | In Brazil | Maturity: 2019 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance			3,172,835
Nominal amount | In Brazil | Maturity: 2019 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			12,735
Nominal amount | In Brazil | Maturity: 2017 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance	[1]		8,630,999
Nominal amount | In Brazil | Maturity: 2017 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance	[1]		40,100
Nominal amount | In Brazil | Maturity: 2018 | Original term in years: 6 | Financial bills:
Subordinated debt
Balance			8,262,799
Nominal amount | In Brazil | Maturity: 2018 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance			141,050
Nominal amount | In Brazil | Maturity: 2018 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			50,000
Nominal amount | In Brazil | Maturity: 2020 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance			1,700
Nominal amount | In Brazil | Maturity: 2020 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			28,556
Nominal amount | In Brazil | Maturity: 2022 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			54,143
Nominal amount | In Brazil | Maturity: 2022 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance			4,305,011
Nominal amount | In Brazil | Maturity: 2023 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			688,064
Nominal amount | In Brazil | Maturity: 2023 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance			1,359,452
Nominal amount | In Brazil | Maturity: 2023 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			1,706,846
Nominal amount | In Brazil | Maturity: 2024 | Original term in years: 7 | Financial bills:
Subordinated debt
Balance	[2]		67,450
Nominal amount | In Brazil | Maturity: 2024 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			136,695
Nominal amount | In Brazil | Maturity: 2024 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance			4,924
Nominal amount | In Brazil | Maturity: 2021 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			19,200
Nominal amount | In Brazil | Maturity: 2021 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance			1,236
Nominal amount | In Brazil | Maturity: 2021 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance			7,000
Nominal amount | In Brazil | Maturity: 2025 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			284,137
Nominal amount | In Brazil | Maturity: 2025 | Original term in years: 8 | Financial bills:
Subordinated debt
Balance	[2]		6,193,653
Nominal amount | In Brazil | Maturity: 2025 | Original term in years: 9 | Financial bills:
Subordinated debt
Balance			400,944
Nominal amount | In Brazil | Maturity: 2026 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			361,196
Nominal amount | In Brazil | Maturity: 2026 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance			3,400
Nominal amount | In Brazil | Maturity: 2027 | Original term in years: 10 | Financial bills:
Subordinated debt
Balance			258,743
Nominal amount | In Brazil | Maturity: 2027 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance			47,046
Nominal amount | In Brazil | Maturity: 2028 | Original term in years: 11 | Financial bills:
Subordinated debt
Balance			74,764
Nominal amount | In Brazil | Maturity: Perpetual | Financial bills:
Subordinated debt
Balance			5,000,000
Nominal amount | In Brazil | Subordinated CDB: | Maturity: 2019 | Original term in years: 10
Subordinated debt
Balance			20,000
Nominal amount | Overseas: | Maturity: 2019 | Original term in years: 10
Subordinated debt
Balance			1,333,575
Nominal amount | Overseas: | Maturity: 2022 | Original term in years: 10
Subordinated debt
Balance			1,886,720
Nominal amount | Overseas: | Maturity: 2021 | Original term in years: 11
Subordinated debt
Balance			R$ 2766650
[1]	Subordinated debt transactions that matured in 2017; and
[2]	New issuances of financial bills in 2017, referring to subordinated debt.

Subordinated debt (Details 2)

Subordinated debt (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Net Movement Of Subordinated Debt [Abstract]
Initial balances	R$ 52611064	R$ 50282936
Balance originating from an acquired institution	0	1,401,348
Issuances	6,594,610	3,787,207
Interest	5,100,017	6,298,555
Payments and other	(14,126,290)	(9,158,982)
At the end of the year	R$ 50179401	R$ 52611064

Insurance technical provisio195

Insurance technical provisions and pension plans (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Current and long-term liabilities
Mathematical reserve for unvested benefits		R$ 208870366	R$ 185506819
Mathematical reserve for vested benefits		9,633,439	9,200,337
Liquid outstanding claims for reinsurance		4,190,074	4,034,622
Unearned premium reserve		4,636,085	4,839,699
Estimate of claims on the reporting date (2017)		5,879,921	6,327,615
Reserve for financial surplus		514,199	554,505
Other technical provisions		5,365,506	5,376,403
Total	[1]	239,089,590	215,840,000
Insurance
Current and long-term liabilities
Mathematical reserve for unvested benefits	[2]	1,051,507	912,764
Mathematical reserve for vested benefits	[2]	265,727	210,855
Liquid outstanding claims for reinsurance	[2]	3,159,967	2,770,507
Unearned premium reserve	[2]	4,068,716	4,265,155
Estimate of claims on the reporting date (2017)	[2]	4,291,432	4,645,468
Reserve for financial surplus	[2]	0	0
Other technical provisions	[2]	1,996,206	2,048,355
Total	[2]	14,833,555	14,853,104
Life and Pension
Current and long-term liabilities
Mathematical reserve for unvested benefits	[3],[4]	207,818,859	184,594,055
Mathematical reserve for vested benefits	[3],[4]	9,367,712	8,989,482
Liquid outstanding claims for reinsurance	[3],[4]	1,030,107	1,264,115
Unearned premium reserve	[3],[4]	567,369	574,544
Estimate of claims on the reporting date (2017)	[3],[4]	1,588,489	1,682,147
Reserve for financial surplus	[3],[4]	514,199	554,505
Other technical provisions	[3],[4]	3,369,300	3,328,048
Total	[3],[4],[5]	R$ 224256035	R$ 200986896
[1]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and
[2]	'Other technical provisions' - Insurance basically refers to the technical provisions of the 'personal health' portfolio;
[3]	'Other technical provisions' - Life and Pension Plan mainly includes the 'Reserve for redemption and other amounts to be settled', 'Reserve for related expenses'
[4]	Includes personal insurance and pension plans; and
[5]	Includes personal and pension insurance operations.

Insurance technical provisio196

Insurance technical provisions and pension plans (Details 2) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Technical provisions by product
Health		R$ 9754024	R$ 8559137
Auto / Liability Insurance		3,156,847	3,126,232
DPVAT (Personal Injury Caused by Automotive Vehicles)		509,261	474,232
Life		10,018,884	9,336,759
RE (Elementary branch)		1,416,523	2,696,447
Free Benefits Generating Plan - PGBL		35,087,618	32,605,459
Insurance - Life with Survival Coverage (VGBL)		158,746,205	138,670,739
Tradicional plans		20,400,228	20,370,995
Total	[1]	239,089,590	215,840,000
Insurance
Technical provisions by product
Health		9,754,024	8,559,137
Auto / Liability Insurance		3,156,847	3,126,232
DPVAT (Personal Injury Caused by Automotive Vehicles)		506,161	471,288
Life		0	0
RE (Elementary branch)		1,416,523	2,696,447
Free Benefits Generating Plan - PGBL		0	0
Insurance - Life with Survival Coverage (VGBL)		0	0
Tradicional plans		0	0
Total	[2]	14,833,555	14,853,104
Life and Pension
Technical provisions by product
Health	[3]	0	0
Auto / Liability Insurance	[3]	0	0
DPVAT (Personal Injury Caused by Automotive Vehicles)	[3]	3,100	2,944
Life	[3]	10,018,884	9,336,759
RE (Elementary branch)	[3]	0	0
Free Benefits Generating Plan - PGBL	[3]	35,087,618	32,605,459
Insurance - Life with Survival Coverage (VGBL)	[3]	158,746,205	138,670,739
Tradicional plans	[3]	20,400,228	20,370,995
Total	[3],[4],[5]	R$ 224256035	R$ 200986896
[1]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and
[2]	'Other technical provisions' - Insurance basically refers to the technical provisions of the 'personal health' portfolio;
[3]	Includes personal and pension insurance operations.
[4]	'Other technical provisions' - Life and Pension Plan mainly includes the 'Reserve for redemption and other amounts to be settled', 'Reserve for related expenses'
[5]	Includes personal insurance and pension plans; and

Insurance technical provisio197

Insurance technical provisions and pension plans (Details 3) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Technical Provisions By Aggregated Products [Abstract]
Insurance - Vehicle, Elementary Lines, Life and Health		R$ 24855539	R$ 24192807
Insurance - Life with Survival Coverage (VGBL)		158,746,205	138,670,739
Pensions - PGBL and Traditional Plans		47,623,322	45,557,528
Pensions - Risk Traditional Plans		7,864,524	7,418,926
Total	[1]	R$ 239089590	R$ 215840000
[1]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and

Insurance technical provisio198

Insurance technical provisions and pension plans (Details 4) - Insurance – Vehicle, General, Life, Health and Pension (Risk on Traditional Plans) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Changes in the insurance and pension technical provisions
At the beginning of the year	R$ 31611733	R$ 27844231
(-) DPVAT insurance	(473,579)	(333,699)
Subtotal at beginning of the year	31,138,154	27,510,532
Additions, net of reversals	28,542,623	28,700,765
Payment of redemptions	(27,156,197)	(26,449,844)
Adjustment for inflation and interest	648,898	1,376,701
Partial spin-off of large risk portfolio	(961,513)	0
Subtotal at end of the period	32,211,965	31,138,154
(+) DPVAT insurance	508,098	473,579
At the end of the year	R$ 32720063	R$ 31611733

Insurance technical provisio199

Insurance technical provisions and pension plans (Details 5) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Changes in the insurance and pension technical provisions
Receipt of premiums net of fees	R$ 70237723	R$ 65333387	R$ 59104979
Payment of benefits	192,043	147,842
Insurance – Life with Survival Coverage (VGBL)
Changes in the insurance and pension technical provisions
At the beginning of the year	138,670,739	106,248,597
Receipt of premiums net of fees	28,577,437	35,824,651
Payment of benefits	(28,758)	(47,379)
Payment of redemptions	(18,985,242)	(16,674,828)
Adjustment for inflation and interest	13,468,401	14,660,738
Others	(2,956,372)	(1,341,040)
At the end of the year	R$ 158746205	R$ 138670739

Insurance technical provisio200

Insurance technical provisions and pension plans (Details 6) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Changes in the insurance and pension technical provisions
Receipt of premiums net of fees	R$ 70237723	R$ 65333387	R$ 59104979
Payment of benefits	192,043	147,842
Pensions – PGBL and Traditional Plans
Changes in the insurance and pension technical provisions
At the beginning of the year	45,557,528	36,848,112
Receipt of premiums net of fees	3,446,148	7,412,759
Payment of benefits	(759,949)	(696,056)
Payment of redemptions	(2,962,505)	(2,438,351)
Adjustment for inflation and interest	3,656,452	4,808,394
Others	(1,314,352)	(377,330)
At the end of the year	R$ 47623322	R$ 45557528

Insurance technical provisio201

Insurance technical provisions and pension plans (Details 7) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Guarantees for the technical provisions
Total technical provisions	[1]	R$ 239089590	R$ 215840000
(-) Deferred acquisition cost PPNG reducers		(138,780)	(237,104)
(-) Portion corresponding to contracted reinsurance		(167,260)	(988,350)
(-) Deposits retained at IRB and court deposits		0	(16)
(-) Receivables		(925,999)	(1,068,329)
(-) Unearned premium reserve - Health and dental insurance	[2]	(1,268,243)	(1,182,152)
(-) Reserves from DPVAT agreements		(502,491)	(465,568)
To be insured		236,086,817	211,898,481
Investment fund quotas (VGBL and PGBL)	[3]	190,639,798	168,337,785
Investment fund quotas (excluding VGBL and PGBL)		26,715,093	30,437,664
Government securities		27,619,851	20,069,021
Private securities		182,541	262,727
Shares		1,719,628	1,731,181
Total technical provision guarantees		246,876,911	220,838,378
Insurance
Guarantees for the technical provisions
Total technical provisions	[4]	14,833,555	14,853,104
(-) Deferred acquisition cost PPNG reducers		(138,780)	(237,104)
(-) Portion corresponding to contracted reinsurance		(153,137)	(947,159)
(-) Deposits retained at IRB and court deposits		0	(16)
(-) Receivables		(925,999)	(1,068,329)
(-) Unearned premium reserve - Health and dental insurance	[2]	(1,268,243)	(1,182,152)
(-) Reserves from DPVAT agreements		(502,491)	(465,568)
To be insured		11,844,905	10,952,776
Investment fund quotas (VGBL and PGBL)	[3]	0	0
Investment fund quotas (excluding VGBL and PGBL)		5,076,006	7,164,637
Government securities		9,011,657	5,882,012
Private securities		18,203	93,287
Shares		3,227	2,325
Total technical provision guarantees		14,109,093	13,142,261
Life and Pension
Guarantees for the technical provisions
Total technical provisions	[5],[6],[7]	224,256,035	200,986,896
(-) Deferred acquisition cost PPNG reducers		0	0
(-) Portion corresponding to contracted reinsurance		(14,123)	(41,191)
(-) Deposits retained at IRB and court deposits		0	0
(-) Receivables		0	0
(-) Unearned premium reserve - Health and dental insurance	[2]	0	0
(-) Reserves from DPVAT agreements		0	0
To be insured		224,241,912	200,945,705
Investment fund quotas (VGBL and PGBL)	[3]	190,639,798	168,337,785
Investment fund quotas (excluding VGBL and PGBL)		21,639,087	23,273,027
Government securities		18,608,194	14,187,009
Private securities		164,338	169,440
Shares		1,716,401	1,728,856
Total technical provision guarantees		R$ 232767818	R$ 207696117
[1]	Demand and savings deposits and Technical provisions for insurance and pension plans comprising VGBL and PGBL products are classified as up to 30 days, without considering average historical turnover; and
[2]	Deduction provided for in article 4 of Normative Resolution ANS no. 392/15; and
[3]	The investment funds 'VGBL' and 'PGBL' were consolidated in the financial statements.
[4]	'Other technical provisions' - Insurance basically refers to the technical provisions of the 'personal health' portfolio;
[5]	'Other technical provisions' - Life and Pension Plan mainly includes the 'Reserve for redemption and other amounts to be settled', 'Reserve for related expenses'
[6]	Includes personal and pension insurance operations.
[7]	Includes personal insurance and pension plans; and

Insurance technical provisio202

Insurance technical provisions and pension plans (Details 8) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Changes In Deferred Acquisition Cost Insurance Assets [Abstract]
At the beginning of the year	R$ 1750244	R$ 1945238
Additions	1,586,888	1,940,226
Reversals	(2,250,844)	(2,135,220)
Partial spin-off of large risk portfolio	(16,180)	0
At the end of the year	R$ 1070108	R$ 1750244

Insurance technical provisio203

Insurance technical provisions and pension plans (Details 9) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Changes in reinsurance assets [abstract]
At the beginning of the year		R$ 1186194	R$ 1144506
Additions		186,867	667,908
Reversals		(139,641)	(485,724)
Recovered insurance losses		(259,433)	(173,908)
Adjustment for inflation and interest		(411)	43,790
Others	[1]	(754,362)	(10,378)
At the end of the year		R$ 219214	R$ 1186194
[1]	Includes the transfer of part of the operation of the large risk portfolio (Note 43).

Insurance technical provisio204

Insurance technical provisions and pension plans (Details 10) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	R$ 5879921	R$ 6327615
Liquid outstanding claims for reinsurance	4,190,074	R$ 4034622
Year claims were notified - Up to 2007
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	5,086,824
Payments of claims	(5,064,293)
Liquid outstanding claims for reinsurance	22,531
Year claims were notified - Up to 2007 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	4,482,979
Year claims were notified - Up to 2007 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	4,679,108
Year claims were notified - Up to 2007 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,711,861
Year claims were notified - Up to 2007 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,783,290
Year claims were notified - Up to 2007 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,845,834
Year claims were notified - Up to 2007 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,902,275
Year claims were notified - Up to 2007 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,956,618
Year claims were notified - Up to 2007 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	4,982,993
Year claims were notified - Up to 2007 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	5,028,742
Year claims were notified - Up to 2007 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	5,074,360
Year claims were notified - Up to 2007 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	5,086,824
Year claims were notified - 2008
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	1,149,106
Payments of claims	(1,022,199)
Liquid outstanding claims for reinsurance	126,907
Year claims were notified - 2008 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	1,152,371
Year claims were notified - 2008 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	1,108,270
Year claims were notified - 2008 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,088,069
Year claims were notified - 2008 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,094,795
Year claims were notified - 2008 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,102,364
Year claims were notified - 2008 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,102,595
Year claims were notified - 2008 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,127,609
Year claims were notified - 2008 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,140,708
Year claims were notified - 2008 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,158,436
Year claims were notified - 2008 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	1,149,106
Year claims were notified - 2008 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2009
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	2,057,911
Payments of claims	(2,042,673)
Liquid outstanding claims for reinsurance	15,238
Year claims were notified - 2009 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,058,559
Year claims were notified - 2009 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,037,365
Year claims were notified - 2009 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,018,329
Year claims were notified - 2009 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,015,921
Year claims were notified - 2009 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,046,000
Year claims were notified - 2009 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,044,644
Year claims were notified - 2009 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,056,612
Year claims were notified - 2009 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,072,169
Year claims were notified - 2009 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,057,911
Year claims were notified - 2009 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2009 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2010
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	2,419,614
Payments of claims	(2,390,739)
Liquid outstanding claims for reinsurance	28,875
Year claims were notified - 2010 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,414,674
Year claims were notified - 2010 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,394,609
Year claims were notified - 2010 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,387,075
Year claims were notified - 2010 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,403,020
Year claims were notified - 2010 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,418,649
Year claims were notified - 2010 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,428,252
Year claims were notified - 2010 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,431,363
Year claims were notified - 2010 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,419,614
Year claims were notified - 2010 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2010 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2010 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2011
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	2,621,044
Payments of claims	(2,586,371)
Liquid outstanding claims for reinsurance	34,673
Year claims were notified - 2011 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,647,298
Year claims were notified - 2011 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,626,356
Year claims were notified - 2011 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,604,738
Year claims were notified - 2011 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,604,061
Year claims were notified - 2011 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,600,194
Year claims were notified - 2011 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,625,442
Year claims were notified - 2011 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,621,044
Year claims were notified - 2011 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2011 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2011 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2011 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2012
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	2,888,296
Payments of claims	(2,835,738)
Liquid outstanding claims for reinsurance	52,558
Year claims were notified - 2012 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,134,409
Year claims were notified - 2012 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,035,716
Year claims were notified - 2012 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,021,698
Year claims were notified - 2012 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,041,626
Year claims were notified - 2012 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,071,989
Year claims were notified - 2012 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,888,296
Year claims were notified - 2012 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2012 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2012 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2012 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2012 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	2,813,496
Payments of claims	(2,753,035)
Liquid outstanding claims for reinsurance	604,613,134,409
Year claims were notified - 2013 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,020,829
Year claims were notified - 2013 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	2,848,361
Year claims were notified - 2013 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,809,942
Year claims were notified - 2013 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,839,210
Year claims were notified - 2013 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	2,813,496
Year claims were notified - 2013 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2013 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	3,436,234
Payments of claims	(3,355,681)
Liquid outstanding claims for reinsurance	80,553
Year claims were notified - 2014 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,708,479
Year claims were notified - 2014 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,456,642
Year claims were notified - 2014 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,464,389
Year claims were notified - 2014 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,436,234
Year claims were notified - 2014 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2014 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	3,989,904
Payments of claims	(3,879,707)
Liquid outstanding claims for reinsurance	110,197
Year claims were notified - 2015 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	4,160,984
Year claims were notified - 2015 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	4,028,967
Year claims were notified - 2015 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	3,989,904
Year claims were notified - 2015 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2015 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	3,640,897
Payments of claims	(3,491,476)
Liquid outstanding claims for reinsurance	149,421
Year claims were notified - 2016 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,821,255
Year claims were notified - 2016 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,640,897
Year claims were notified - 2016 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2016 | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	3,481,275
Payments of claims	(2,766,457)
Liquid outstanding claims for reinsurance	714,818
Year claims were notified - 2017 | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	3,481,275
Year claims were notified - 2017 | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - 2017 | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total
Amount estimated for the claims:
Estimate of claims on the reporting date (2017)	33,584,601
Payments of claims	(32,188,369)
Liquid outstanding claims for reinsurance	1,396,232
Year claims were notified - Total | In the year after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | One year after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Two years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Three years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Four years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Five years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Six years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Seven years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Eight years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Nine years after notification
Amount estimated for the claims:
Claims reported by policyholders	0
Year claims were notified - Total | Ten years after notification
Amount estimated for the claims:
Claims reported by policyholders	R$ 0

Insurance technical provisio205

Insurance technical provisions and pension plans (Details 11) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	R$ 5879921	R$ 6327615
Liquid outstanding claims for reinsurance	4,190,074	R$ 4034622
Year claims were notified - Up to 2007
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	4,527,764
Payments of claims	(4,505,614)
Liquid outstanding claims for reinsurance	22,150
Year claims were notified - Up to 2007 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,049,408
Year claims were notified - Up to 2007 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,107,420
Year claims were notified - Up to 2007 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,157,532
Year claims were notified - Up to 2007 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,225,589
Year claims were notified - Up to 2007 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,285,309
Year claims were notified - Up to 2007 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,338,449
Year claims were notified - Up to 2007 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,390,840
Year claims were notified - Up to 2007 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,426,256
Year claims were notified - Up to 2007 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,466,917
Year claims were notified - Up to 2007 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,510,383
Year claims were notified - Up to 2007 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	4,527,764
Year claims were notified - 2008
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	890,132
Payments of claims	(880,207)
Liquid outstanding claims for reinsurance	9,925
Year claims were notified - 2008 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	859,651
Year claims were notified - 2008 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	846,124
Year claims were notified - 2008 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	835,214
Year claims were notified - 2008 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	844,636
Year claims were notified - 2008 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	850,115
Year claims were notified - 2008 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	857,121
Year claims were notified - 2008 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	868,958
Year claims were notified - 2008 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	873,978
Year claims were notified - 2008 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	884,796
Year claims were notified - 2008 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	890,132
Year claims were notified - 2008 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2009
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,824,085
Payments of claims	(1,809,102)
Liquid outstanding claims for reinsurance	14,983
Year claims were notified - 2009 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,791,249
Year claims were notified - 2009 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,773,092
Year claims were notified - 2009 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,766,152
Year claims were notified - 2009 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,769,942
Year claims were notified - 2009 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,791,739
Year claims were notified - 2009 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,797,090
Year claims were notified - 2009 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,810,770
Year claims were notified - 2009 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,822,466
Year claims were notified - 2009 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,824,085
Year claims were notified - 2009 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2009 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	2,292,651
Payments of claims	(2,265,943)
Liquid outstanding claims for reinsurance	26,708
Year claims were notified - 2010 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,260,194
Year claims were notified - 2010 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,235,404
Year claims were notified - 2010 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,232,926
Year claims were notified - 2010 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,251,003
Year claims were notified - 2010 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,268,293
Year claims were notified - 2010 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,281,206
Year claims were notified - 2010 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,291,650
Year claims were notified - 2010 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,292,651
Year claims were notified - 2010 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	2,459,251
Payments of claims	(2,424,679)
Liquid outstanding claims for reinsurance	34,572
Year claims were notified - 2011 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,440,426
Year claims were notified - 2011 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,417,095
Year claims were notified - 2011 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,401,407
Year claims were notified - 2011 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,418,057
Year claims were notified - 2011 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,425,973
Year claims were notified - 2011 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,452,938
Year claims were notified - 2011 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,459,251
Year claims were notified - 2011 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	2,746,804
Payments of claims	(2,694,553)
Liquid outstanding claims for reinsurance	52,251
Year claims were notified - 2012 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,804,706
Year claims were notified - 2012 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,695,513
Year claims were notified - 2012 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,696,091
Year claims were notified - 2012 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,705,326
Year claims were notified - 2012 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,729,230
Year claims were notified - 2012 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,746,804
Year claims were notified - 2012 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	2,659,375
Payments of claims	(2,599,885)
Liquid outstanding claims for reinsurance	59,490
Year claims were notified - 2013 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,815,311
Year claims were notified - 2013 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,648,135
Year claims were notified - 2013 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,622,005
Year claims were notified - 2013 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,658,925
Year claims were notified - 2013 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,659,375
Year claims were notified - 2013 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	3,323,339
Payments of claims	(3,243,342)
Liquid outstanding claims for reinsurance	79,997
Year claims were notified - 2014 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,523,133
Year claims were notified - 2014 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,306,665
Year claims were notified - 2014 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,317,745
Year claims were notified - 2014 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,323,339
Year claims were notified - 2014 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	3,671,224
Payments of claims	(3,563,269)
Liquid outstanding claims for reinsurance	107,955
Year claims were notified - 2015 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,805,260
Year claims were notified - 2015 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,695,713
Year claims were notified - 2015 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,671,224
Year claims were notified - 2015 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	3,541,988
Payments of claims	(3,393,389)
Liquid outstanding claims for reinsurance	148,599
Year claims were notified - 2016 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,661,006
Year claims were notified - 2016 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,541,988
Year claims were notified - 2016 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	3,443,486
Payments of claims	(2,736,036)
Liquid outstanding claims for reinsurance	707,450
Year claims were notified - 2017 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	3,443,486
Year claims were notified - 2017 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	31,380,099
Payments of claims	(30,116,019)
Liquid outstanding claims for reinsurance	1,264,080
Year claims were notified - Total | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	R$ 0

Insurance technical provisio206

Insurance technical provisions and pension plans (Details 12) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	R$ 5879921	R$ 6327615
Liquid outstanding claims for reinsurance	4,190,074	R$ 4034622
Year claims were notified - Up 2007
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	2,140,849
Payments of claims	(2,074,102)
Liquid outstanding claims for reinsurance	66,747
Year claims were notified - Up 2007 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,987,288
Year claims were notified - Up 2007 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,004,988
Year claims were notified - Up 2007 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,038,732
Year claims were notified - Up 2007 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,075,972
Year claims were notified - Up 2007 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,079,897
Year claims were notified - Up 2007 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,081,301
Year claims were notified - Up 2007 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,086,778
Year claims were notified - Up 2007 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,068,574
Year claims were notified - Up 2007 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,076,228
Year claims were notified - Up 2007 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,094,047
Year claims were notified - Up 2007 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	2,140,849
Year claims were notified - 2008
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,020,756
Payments of claims	(1,003,673)
Liquid outstanding claims for reinsurance	17,083
Year claims were notified - 2008 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	987,998
Year claims were notified - 2008 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,000,730
Year claims were notified - 2008 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,020,530
Year claims were notified - 2008 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,018,008
Year claims were notified - 2008 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,017,316
Year claims were notified - 2008 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,015,902
Year claims were notified - 2008 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,017,807
Year claims were notified - 2008 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,021,908
Year claims were notified - 2008 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,024,349
Year claims were notified - 2008 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,020,756
Year claims were notified - 2008 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2009
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,115,707
Payments of claims	(1,098,409)
Liquid outstanding claims for reinsurance	17,298
Year claims were notified - 2009 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,062,753
Year claims were notified - 2009 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,082,779
Year claims were notified - 2009 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,105,401
Year claims were notified - 2009 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,100,970
Year claims were notified - 2009 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,109,079
Year claims were notified - 2009 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,119,669
Year claims were notified - 2009 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,118,181
Year claims were notified - 2009 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,112,583
Year claims were notified - 2009 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,115,707
Year claims were notified - 2009 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2009 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,189,843
Payments of claims	(1,151,732)
Liquid outstanding claims for reinsurance	38,111
Year claims were notified - 2010 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,185,750
Year claims were notified - 2010 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,183,274
Year claims were notified - 2010 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,195,472
Year claims were notified - 2010 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,185,871
Year claims were notified - 2010 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,198,856
Year claims were notified - 2010 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,198,607
Year claims were notified - 2010 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,197,508
Year claims were notified - 2010 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,189,843
Year claims were notified - 2010 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2010 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,417,352
Payments of claims	(1,361,271)
Liquid outstanding claims for reinsurance	56,081
Year claims were notified - 2011 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,403,227
Year claims were notified - 2011 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,386,518
Year claims were notified - 2011 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,393,915
Year claims were notified - 2011 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,406,376
Year claims were notified - 2011 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,406,472
Year claims were notified - 2011 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,416,009
Year claims were notified - 2011 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,417,352
Year claims were notified - 2011 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2011 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,459,181
Payments of claims	(1,398,760)
Liquid outstanding claims for reinsurance	60,421
Year claims were notified - 2012 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,448,969
Year claims were notified - 2012 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,431,243
Year claims were notified - 2012 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,447,741
Year claims were notified - 2012 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,450,511
Year claims were notified - 2012 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,454,750
Year claims were notified - 2012 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,459,181
Year claims were notified - 2012 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2012 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,516,747
Payments of claims	(1,428,669)
Liquid outstanding claims for reinsurance	88,078
Year claims were notified - 2013 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,509,781
Year claims were notified - 2013 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,491,911
Year claims were notified - 2013 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,525,941
Year claims were notified - 2013 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,514,898
Year claims were notified - 2013 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,516,747
Year claims were notified - 2013 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2013 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,495,266
Payments of claims	(1,307,155)
Liquid outstanding claims for reinsurance	188,111
Year claims were notified - 2014 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,536,697
Year claims were notified - 2014 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,568,941
Year claims were notified - 2014 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,570,227
Year claims were notified - 2014 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,495,266
Year claims were notified - 2014 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2014 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,644,051
Payments of claims	(1,337,199)
Liquid outstanding claims for reinsurance	306,852
Year claims were notified - 2015 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,653,008
Year claims were notified - 2015 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,648,842
Year claims were notified - 2015 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,644,051
Year claims were notified - 2015 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2015 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,755,802
Payments of claims	(1,499,651)
Liquid outstanding claims for reinsurance	256,151
Year claims were notified - 2016 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,741,563
Year claims were notified - 2016 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,755,802
Year claims were notified - 2016 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2016 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	1,771,294
Payments of claims	(1,280,837)
Liquid outstanding claims for reinsurance	490,457
Year claims were notified - 2017 | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	1,771,294
Year claims were notified - 2017 | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - 2017 | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total
Amount estimated for net claims for reinsurance:
Estimate of claims on the reporting date (2017)	16,526,848
Payments of claims	(14,941,458)
Liquid outstanding claims for reinsurance	1,585,390
Year claims were notified - Total | In the year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | One year after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Two years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Three years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Four years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Five years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Six years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Seven years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Eight years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Nine years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	0
Year claims were notified - Total | Ten years after notification
Amount estimated for net claims for reinsurance:
Claims reported by policyholders	R$ 0

Insurance technical provisio207

Insurance technical provisions and pension plans (Details Text) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Insurance technical provisions and pension plans (Details Text)
The claims table does not include the products	R$ 5365506	R$ 5376403
Health and Dental insurance
Insurance technical provisions and pension plans (Details Text)
The claims table does not include the products	2,906,361
DPVAT insurance
Insurance technical provisions and pension plans (Details Text)
The claims table does not include the products	86,592
Retrocession
Insurance technical provisions and pension plans (Details Text)
The claims table does not include the products	21,722
Salvage and reimbursement estimates
Insurance technical provisions and pension plans (Details Text)
The claims table does not include the products	R$ 163923

Supplemental pension plans (Det

Supplemental pension plans (Details 1) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
I Projected Benefit Obligations [Abstract]
At the beginning of the year	R$ 2141393	R$ 1162005
Balance from an acquired institution	0	761,119
Cost of service	186	(1,077)	R$ 579
Interest cost	227,980	181,595	133,385
Participant's contribution	1,197	2,831
Actuarial gain/(loss)	144,624	182,762
Benefit paid	(192,042)	(147,842)
At the end of the year	2,323,338	2,141,393	1,162,005
(ii) Plan assets comprise:
At the beginning of the year	2,127,872	1,047,782
Balance from an acquired institution	0	883,858
Expected earnings	423,546	307,728
Contributions received:
Employer	14,957	33,515
Employees	1,197	2,831
Benefits paid	(192,043)	(147,842)
At the end of the year	2,375,529	2,127,872	R$ 1047782
(iii) Financial position:
Plans in deficit	(149,571)	(130,293)
Plans in surplus	201,762	116,772
Net balance	R$ 52191	R$ 13521

Supplemental pension plans (209

Supplemental pension plans (Details 2) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Projected Benefit Obligations [Abstract]
Cost of service	R$ 186	R$ 1077	R$ 579
Cost of interest on actuarial obligations	227,980	181,595	133,385
Expected earnings from the assets of the plan	(227,360)	(174,937)	(120,960)
Net cost/(benefit) of the pension plans	R$ 806	R$ 5581	R$ 11846

Supplemental pension plans (210

Supplemental pension plans (Details 3)		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Benefit Obligations And Net Periodic Benefit Cost [Abstract]
Discount rate	[1]	8.5% - 10% p.a.	11.1% p.a.
Expected long-term rate of return on the assets		8.5% - 10% p.a.	11.1% p.a.
Increase in salary levels		4.3% p.a.	4.8% p.a.
[1]	In 2017, considering an inflation rate of 4.3% p.a. and a real discount rate of 4.0% - 5.5% p.a. (2016 - 4.8% and 6.0% p.a., respectively).

Supplemental pension plans (211

Supplemental pension plans (Details 4)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Assets of the Alvorada Plan
Asset categories
Equities	0.00%	0.00%
Fixed income	92.70%	93.10%
Real estate	5.70%	5.30%
Other	1.60%	1.60%
Total	100.00%	100.00%
Assets of the Bradesco Plan
Asset categories
Equities	4.70%	3.90%
Fixed income	90.60%	91.30%
Real estate	2.60%	2.70%
Other	2.10%	2.10%
Total	100.00%	100.00%
Assets of the Kirton Plan
Asset categories
Equities	0.00%	0.00%
Fixed income	100.00%	100.00%
Real estate	0.00%	0.00%
Other	0.00%	0.00%
Total	100.00%	100.00%
Assets of the Losango Plan
Asset categories
Equities	17.30%	18.80%
Fixed income	82.70%	81.20%
Real estate	0.00%	0.00%
Other	0.00%	0.00%
Total	100.00%	100.00%

Supplemental pension plans (212

Supplemental pension plans (Details 5) - BRL (R$)		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Sensitivity analysis of the benefit plan obligations
Discount rate	[1]	8.5% - 10% p.a.	11.1% p.a.
Sensitivity analysis: Increase of 1 b.p.
Sensitivity analysis of the benefit plan obligations
Discount rate		9.5% - 11.0% p.a.
Effect on actuarial liabilities		reduction
Effect on the present value of the obligations		R$ 256532
Sensitivity analysis: Decrease of 1 b.p.
Sensitivity analysis of the benefit plan obligations
Discount rate		9.5% - 11.0% p.a.
Effect on actuarial liabilities		increase
Effect on the present value of the obligations		R$ 303154
[1]	In 2017, considering an inflation rate of 4.3% p.a. and a real discount rate of 4.0% - 5.5% p.a. (2016 - 4.8% and 6.0% p.a., respectively).

Supplemental pension plans (213

Supplemental pension plans (Details Text) - BRL (R$)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Supplemental pension plans (Details Text)
Expenses related to contributions	R$ 988905	R$ 584438
Other employee expense	R$ 5594368	R$ 3826715
Inflation rate	4.30%
Real discount rate	4.0% - 5.5% p.a.	4.8% and 6.0% p.a.
Impact on the actuarial exposure	8.5 – 10.0% p.a.
Supplementary Pension Plan - Minimum
Supplemental pension plans (Details Text)
Contributions - Supplementary Pension Plan	4.00%
Supplementary Pension Plan - Maximum
Supplemental pension plans (Details Text)
Contributions - Supplementary Pension Plan	5.00%

Provisions, contingent liabi214

Provisions, contingent liabilities and contingent assets (Details 1) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Labor
Changes in other provision
Balance on		R$ 5554796	R$ 5101732	R$ 3048442
Indexation charges		637,263	454,045
Additions, net of reversals		1,002,559	876,816
Balance originating from an acquired institution	[1]		1,684,370
Payments		(1,186,758)	(961,941)
Civil
Changes in other provision
Balance on		5,346,563	5,003,440	4,202,950
Indexation charges		484,447	409,236
Additions, net of reversals		830,642	1,310,333
Balance originating from an acquired institution	[1]		544,997
Payments		(971,966)	(1,464,076)
Tax and Social Security
Changes in other provision
Balance on	[2],[3]	7,589,368	8,187,237	R$ 8112925
Indexation charges	[2],[3]	500,719	705,036
Additions, net of reversals	[2],[3]	(984,342)	(1,236,705)
Balance originating from an acquired institution	[1],[2],[3]		703,967
Payments	[2],[3]	R$ 114246	R$ 97986
[1]	HSBC Brasil.
[2]	In 2017, there were reversals of provisions related to: (i) the PIS process, related to the remuneration of amounts unduly paid, in the amount of R$ 268,729 thousand; (ii) IRPJ / CSLL on credit losses, in the amount of R$ 408,730 thousand; and (iii) Favorable decision in the process of social security contribution on the remuneration paid to accredited dentists (INSS of Self-employed), in the amount of R$ 348,820 thousand and in 2016, there were reversals of a provisions relating to: i) the process of INSS of the self-employed of the Bradesco Saude subsidiary, in the amount of R$ 1,081,528 thousand; ii) to the Pis process - EC 17, in the amount of R$ 242,242 thousand; and iii) offset by the provision for social security contributions on transfers to private pension plans, in the amount of R$ 215,668 thousand; and
[3]	Mainly include legal liabilities;

Provisions, contingent liabi215

Provisions, contingent liabilities and contingent assets (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Provisions, contingent liabilities and contingent assets (Details Text)
PIS and COFINS	R$ 2489247	R$ 2320261
IRPJ/CSLL on losses of credits	1,614,663	1,913,208
Pension Contributions	1,466,469	1,385,456
INSS Autonomous Brokers	R$ 643655	901,171
Social security contribution on remunerations paid to third-party service providers	20.00%
Social security contribution on remunerations paid to third-party service providers - Additional	2.50%
INSS - Contribution to SAT	R$ 401018	374,620
Special Tax Regularization Program (PERT)	241,141
Incentivized Installment Payment Program (PPI-SP)		61,814
PIS process, related to the remuneration of amounts unduly paid	268,729
IRPJ / CSLL on credit losses	408,730
Favorable decision in the process of social security contribution on the remuneration paid to accredited dentists (INSS of Self-employed)	348,820
Reversals of a provisions relating - Process of INSS of the self-employed of the Bradesco Saúde subsidiary		1,081,528
Reversals of a provisions relating - To the Pis process - EC 17		242,242
Reversals of a provisions relating - Offset by the provision for social security contributions on transfers to private pension plans		215,668
The Organization maintains a system to monitor all administrative and judicial proceedings in which the institution is plaintiff or defendant
2006 to 2013 income tax and social contribution, relating to goodwill amortization being disallowed on the acquisition of investments	6,264,741	5,894,504
Fines and disallowances of Cofins loan compensations, released after a favorable decision in a judicial proceeding, where the unconstitutionality of the expansion of the intended calculation base was discussed for revenues other than those from billing (Law no 9,718/98)	4,902,151	3,999,185
Leasing companies' Tax on Services of any Nature (ISSQN), total lawsuits correspond	2,394,087	2,398,185
IRPJ and CSLL deficiency note relating to disallowance of exclusions of revenues from the mark-to-market of securities from 2007 to 2012, differences in depreciation expenses, insufficient depreciation expenses, expenses with depreciation of leased assets, operating expenses and income and disallowance of tax loss compensation	2,431,844	1,653,942
Notifications and disallowances of compensations of PIS and Cofins related to the unconstitutional extension of the basis of calculation intended for other income other than the billing (Law no 9,718/98), from acquired companies	1,399,506	1,317,238
IRPJ and CSLL deficiency notice relating to the disallowance of loan loss deductions	969,713	760,436
IRPJ and CSLL deficiency note	R$ 489687	R$ 459962
Contribution
Provisions, contingent liabilities and contingent assets (Details Text)
INSS - Contribution to SAT - Percent	1.00%
Increase to
Provisions, contingent liabilities and contingent assets (Details Text)
INSS - Contribution to SAT - Percent	3.00%

Other liabilities (Details 1)

Other liabilities (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Categories of financial liabilities [abstract]
Credit card transactions	[1]	R$ 26163066	R$ 23717936
Foreign exchange transactions	[2]	17,085,029	17,975,291
Loan assignment obligations		8,454,076	8,761,827
Capitalization bonds		7,562,974	7,502,158
Securities trading		2,317,155	2,569,881
Liabilities for acquisition of assets - financial leasing (Note 38 a)		857,212	1,063,649
Other liabilities
Third party funds in transit	[3]	7,211,038	7,068,452
Provision for payments		8,743,428	6,997,168
Sundry creditors		3,205,800	8,843,035
Social and statutory		4,524,457	4,631,237
Other taxes payable		1,466,306	1,528,980
Liabilities for acquisition of assets and rights		1,480,777	1,452,568
Other		8,745,506	4,853,333
Total		R$ 97816824	R$ 96965515
[1]	Refers to amounts payable to merchants;
[2]	Mainly refers to the institution's sales in foreign currency to customers and its right's in domestic currency, resulting from exchange sale operations; and
[3]	Mainly refers to payment orders issued domestically and the amount of payment orders in foreign currency coming from overseas.

Other liabilities (Details 2)

Other liabilities (Details 2) - BRL (R$) R$ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Composition by maturity of financial leasing and details of operating leases
Total	R$ 857212	R$ 1063649
Due within one year
Composition by maturity of financial leasing and details of operating leases
Total	564,337	578,965
From 1 to 2 years
Composition by maturity of financial leasing and details of operating leases
Total	256,327	375,073
From 2 to 3 years
Composition by maturity of financial leasing and details of operating leases
Total	R$ 36548	R$ 109611

Other liabilities (Details Text

Other liabilities (Details Text) R$ in Thousands	Dec. 31, 2017BRL (R$)
Other liabilities (Details Text)
Total non-cancellable minimum future payments due on operating leases	R$ 7923649
Due within 1 year
Other liabilities (Details Text)
Total non-cancellable minimum future payments due on operating leases	832,991
Due between 1-5 years
Other liabilities (Details Text)
Total non-cancellable minimum future payments due on operating leases	3,325,401
Due more than 5 years
Other liabilities (Details Text)
Total non-cancellable minimum future payments due on operating leases	R$ 3765257

Equity (Details 1)

Equity (Details 1) - shares	Dec. 31, 2017	Dec. 31, 2016	[1]	Dec. 31, 2015	[1]
Composition of share capital in number of shares
Subtotal	6,108,961,905	6,108,961,905
Number of shares outstanding on	6,085,073,610	6,085,073,610		6,085,665,540
Common shares
Composition of share capital in number of shares
Subtotal	3,054,481,112	3,054,481,112
Number of shares outstanding on	3,049,448,563	3,049,448,563		3,050,040,493
Preferred shares
Composition of share capital in number of shares
Subtotal	3,054,480,793	3,054,480,793
Number of shares outstanding on	3,035,625,047	3,035,625,047		3,035,625,047
Treasury (common shares)
Composition of share capital in number of shares
Number of shares outstanding on	(5,032,549)	(5,032,549)
Treasury (preferred shares)
Composition of share capital in number of shares
Number of shares outstanding on	(18,855,746)	(18,855,746)
[1]	All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017 in proportion of one new share for every 10 shares held.

Equity (Details 2)

Equity (Details 2) - shares	Dec. 31, 2017	Dec. 31, 2016		Dec. 31, 2015	[1]
Changes in capital stock, in number of shares
Number of shares outstanding on	6,085,073,610	6,085,073,610	[1]	6,085,665,540
Shares acquired and not canceled		(591,930)
Common shares
Changes in capital stock, in number of shares
Number of shares outstanding on	3,049,448,563	3,049,448,563	[1]	3,050,040,493
Shares acquired and not canceled		(591,930)
Preferred shares
Changes in capital stock, in number of shares
Number of shares outstanding on	3,035,625,047	3,035,625,047	[1]	3,035,625,047
[1]	All share amounts presented for prior periods have been adjusted to reflect the stock split approved at the Board of Directors' Meeting of March 10, 2017 in proportion of one new share for every 10 shares held.

Equity (Details Text)

Equity (Details Text) - BRL (R$) R$ / shares in Units, R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Mar. 10, 2017	Mar. 10, 2016
Equity (Details Text)
Share bonus			10	10,000
Shares	R$ 4524457	R$ 4631237
Expected dividend as percentage, share options granted	30.00%
Legal reserve - annual statutory net income	5.00%
Statutory Reserve - net income remaining after statutory allocations	100.00%
Accumulated value limited - Paid-in capital share amount	95.00%
Distributed dividends (including interest on equity)	R$ 7204344	R$ 6975782
The amount of dividends paid per ordinary share	R$ 1.13	R$ 1.09
The amount of dividends paid per other share	R$ 1.25	R$ 1.20
Nominative-book entry shares, with no nominal value | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				504,872,885,000
Nominative-book entry shares, with no nominal value | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			R$ 555360173
Common shares | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				252,436,456,000
Common shares | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			277,680,101
Preferred shares | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				252,436,429,000
Preferred shares | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			277,680,072
Increase amount | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				R$ 8000000
Increase amount | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			8,000,000
Current value | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				43,100,000
Current value | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			51,100,000
Amount | Extraordinary General Meeting - March 10, 2016
Equity (Details Text)
Shares				R$ 51100000
Amount | Extraordinary General Meeting - March 10, 2017
Equity (Details Text)
Shares			R$ 59100000

Transactions with related pa222

Transactions with related parties (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Assets
Loans and advances to banks		R$ 724369	R$ 1033479
Other assets		3,572	6,128
Liabilities
Deposits from customers		1,122,088	1,524,462
Funds from issuance of securities		8,282,217	6,977,691
Social and statutory		2,275,419	1,770,149
Other liabilities		8,827,877	13,704
Controllers
Assets
Loans and advances to banks	[1]	0	0
Other assets	[1]	0	0
Liabilities
Deposits from customers	[1]	931,141	1,374,940
Funds from issuance of securities	[1]	6,632,932	5,755,615
Social and statutory	[1]	2,275,419	1,770,149
Other liabilities	[1]	0	0
Associates and Jointly controlled companies
Assets
Loans and advances to banks	[2]	724,369	1,033,479
Other assets	[2]	3,572	6,128
Liabilities
Deposits from customers	[2]	103,734	62,928
Funds from issuance of securities	[2]	244,082	398,549
Social and statutory	[2]	0	0
Other liabilities	[2]	8,827,877	13,704
Key management personnel
Assets
Loans and advances to banks	[3]	0	0
Other assets	[3]	0	0
Liabilities
Deposits from customers	[3]	87,213	86,594
Funds from issuance of securities	[3]	1,405,203	823,527
Social and statutory	[3]	0	0
Other liabilities	[3]	R$ 0	R$ 0
[1]	Cidade de Deus Cia. Cial. de Participacoes, Fundacao Bradesco, NCF Participacoes S.A., Titanium Holdings S.A., BBD Participacoes S.A. and Nova Cidade de Deus Participacoes S.A.;
[2]	Companies listed in Note 2; and
[3]	Members of the Board of Directors and the Board of Executive Officers.

Transactions with related pa223

Transactions with related parties (Details 2) - BRL (R$) R$ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Revenues and expenses
Net Interest income		R$ 931206	R$ 1280078	R$ 167583
Other revenues		441,381	360,286	337,070
Other expenses		(291,752)	(226,835)	(248,664)
Controllers
Revenues and expenses
Net Interest income	[1]	(887,059)	(1,129,931)	(78,813)
Other revenues	[1]	0	0	0
Other expenses	[1]	(2,652)	(2,391)	(2,160)
Associates and Jointly controlled companies
Revenues and expenses
Net Interest income	[2]	40,671	(41,814)	(426)
Other revenues	[2]	441,381	360,286	337,070
Other expenses	[2]	(289,100)	(224,444)	(246,504)
Key management personnel
Revenues and expenses
Net Interest income	[3]	(84,818)	(108,333)	(88,344)
Other revenues	[3]	0	0	0
Other expenses	[3]	R$ 0	R$ 0	R$ 0
[1]	Cidade de Deus Cia. Cial. de Participacoes, Fundacao Bradesco, NCF Participacoes S.A., Titanium Holdings S.A., BBD Participacoes S.A. and Nova Cidade de Deus Participacoes S.A.;
[2]	Companies listed in Note 2; and
[3]	Members of the Board of Directors and the Board of Executive Officers.

Transactions with related pa224

Transactions with related parties (Details 3) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Shortterm Benefits For Management [Abstract]
Salaries	R$ 456262	R$ 441592	R$ 309864
Total	R$ 456262	R$ 441592	R$ 309864

Transactions with related pa225

Transactions with related parties (Details 4) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Postemployment Benefits [Abstract]
Defined contribution supplementary pension plans	R$ 473663	R$ 251250	R$ 311670
Total	R$ 473663	R$ 251250	R$ 311670

Transactions with related pa226

Transactions with related parties (Details 5)		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Equity Participation [Abstract]
Common shares		0.50%	0.70%
Preferred shares		1.00%	1.10%
Total shares	[1]	0.80%	0.90%
[1]	In December 31, 2017, direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers in Bradesco totaled 2.3% of common shares, 1.1% of preferred shares and 1.7% of all shares (2016 - 2.8% of common shares, 1.2% of preferred shares and 2.0% of all shares).

Transactions with related pa227

Transactions with related parties (Details Text) - BRL (R$) R$ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Transactions with related parties (Details Text)
Remuneration of key management personnel	R$ 468700
Remuneration of key management personnel - Defined contribution pension plans	R$ 487700
Policy on Management compensation	50.00%
Individuals or corporations that own, their capital
Transactions with related parties (Details Text)
Financial institutions are not allowed to grant loans or advances	10.00%
Corporations in which the financial institution itself, any officers or administrators of the institution, as well as their spouses and respective family members up to the second degree, have equity
Transactions with related parties (Details Text)
Financial institutions are not allowed to grant loans or advances	10.00%
Common shares
Transactions with related parties (Details Text)
Direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers	2.30%	2.80%
Preferred shares
Transactions with related parties (Details Text)
Direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers	1.10%	1.20%
All shares
Transactions with related parties (Details Text)
Direct and indirect shareholding of the members of Board of Directors and Board of Executive Officers	1.70%	2.00%

Off-balance sheet commitment228

Off-balance sheet commitments (Details 1) - BRL (R$) R$ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Offbalance Sheet Commitments [Abstract]
Commitments to extend credit	[1]	R$ 203927816	R$ 237019535
Financial guarantees	[2]	78,867,348	78,949,483
Letters of credit for imports		294,229	329,015
Total		R$ 283089393	R$ 316298033
[1]	Includes available lines of credit, limits for credit cards, personal loans, housing loans and overdrafts; and
[2]	Refers to guarantees mostly provided for Corporate customers.

New standards and amendments229

New standards and amendments and interpretations of existing standards (Details Text)	Dec. 31, 2017BRL (R$)
New Standards And Amendments And Interpretations Of Existing Standards Details Text [Abstract]
Reduction of approximately	2.00%
Reduction of approximately - Shareholders' equity, net of tax effects	R$ 2200000000000
Equity investments classified as available for sale with fair value - Held for long-term strategic purposes	R$ 11038000000

New standards and amendments230

New standards and amendments and interpretations of existing standards (Details 2) R$ in Millions	Dec. 31, 2018BRL (R$)
Current best estimates
Estimated Exposure to Credit Risk	R$ 521546
Expected Loss	R$ 33048
Expected Loss on Estimated Exposure to Credit Risk	6.00%
Stage 1
Current best estimates
Estimated Exposure to Credit Risk	R$ 432416
Expected Loss	R$ 7688
Expected Loss on Estimated Exposure to Credit Risk	2.00%
Stage 2
Current best estimates
Estimated Exposure to Credit Risk	R$ 51853
Expected Loss	R$ 7581
Expected Loss on Estimated Exposure to Credit Risk	15.00%
Stage 3
Current best estimates
Estimated Exposure to Credit Risk	R$ 37277
Expected Loss	R$ 17779
Expected Loss on Estimated Exposure to Credit Risk	48.00%

New standards and amendments231

New standards and amendments and interpretations of existing standards (Details 1) R$ in Millions	12 Months Ended
	Dec. 31, 2018BRL (R$)
Provision For Additional Estimated Credit Losses On January [Abstract]
Credit portfolio	R$ 3829	[1]
Securities	842
Total gross additional provisions	R$ 4671
[1]	Includes commitments and financial guarantees provided

Other information (Details Text

Other information (Details Text) - BRL (R$)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other information (Details Text)
Control of the company will be shared - Capital	20.00%
Investment funds managed by Organization	R$ 4377508000	R$ 4303781000
Consortium which nature and involvement is related to generation management fees of consortium quotas	1,463,469,000	1,079,653,000	R$ 1054424000
Values through the provision of guarantees	104,000,000
Bradesco Seguros S.A. - Investment totals	490,000,000
Bradesco Seguros S.A. - Goodwill on the acquisition of shares	R$ 126897000
IRB's - Price per share	R$ 27.24
IRB's - Shares were sold in the Base Offering	14,040,000
IRB's - Supplementary lot totaling shares	16,206,387
IRB's - Bradesco indirectly holds shares	47,520,213
Interest in the capital stock of IRB	15.23%
Special Voluntary Severance Program Scheme (PDVE) - Total cost	R$ 2300000000
The estimated annual effect on personnel expenses is a reduction	R$ 1500000000
Bradesco Seguros
Other information (Details Text)
Equity stake	40.00%
Book entry shares, common and nominative	172,560,054
Book entry shares, common and nominative in the amount	R$ 363103000
Swiss Re Corso
Other information (Details Text)
Equity stake	60.00%
Unconsolidated structured entities
Other information (Details Text)
Investment funds managed by Organization	R$ 338846142000	426,390,575,000
Investment funds managed by Organization - Revenues earned	1,463,469,000	1,079,653,000
Consortium which nature and involvement is related to generation management fees of consortium quotas	74,323,031,000	71,075,119,000
Consortium which nature and involvement is related to generation management fees of consortium quotas - Revenues	R$ 1526660000	R$ 1278753000

Subsequent events (Details Text

Subsequent events (Details Text) R$ in Thousands	Jan. 31, 2018BRL (R$)
Subsequent Events Details Text [Abstract]
Credit assigned loans	R$ 5323120
Credit assigned loans - Whose sale value	R$ 110189