Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

Nu Holdings Ltd.

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Other Assets

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Collateral for Credit Card Operations

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Financial Assets at Fair Value Through Other Comprehensive Income

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Credit Card Receivables

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Loans to Customers

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Interbank Transactions

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Compulsory and Other Deposits at Central Banks

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Other Receivables

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Other Financial Assets

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Total Other Financial Assets

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Investments in Associates

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Right-of-Use Assets

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Property, Plant and Equipment

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Intangible Assets

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Goodwill

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Total Assets

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Financial Liabilities at Fair Value Through Profit or Loss

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Instruments Eligible as Capital

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Financial Liabilities at Amortized Cost

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Deposits

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Payables to Network

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Borrowings and Financing

Securities and Investments

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Trading Assets

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Other Earning Assets

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Net Loans

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Long-Term Investments

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Revenue

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Adjusted Funds From Operations

Assets	LTM	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18
Cash and Cash Equivalents	12,895.8	9,185.7	5,923.4	4,172.3	2,705.7	2,343.8	1,246.6	379.2
Cash and Cash Equivalents
Securities and Investments	12,820.2	11,464.2	9,278.7	10,039	8,979.4	4,287.3	2,237.7	570.2
Securities
Securities
Securities
Securities
Securities
Trading Assets	287.7	75.8	21.3	41.8	102.4	90.8	163	85.3
Derivative Financial Instruments
Collateral for Credit Card Operations
Other Earning Assets	9,385.7	8,156.8	9,136.5	3,299.7	989	66.4	79.1	28.9
Compulsory and Other Deposits at Central Banks
Interbank Transactions
Other Receivables
Other Financial Assets
Net Loans	25,754.2	17,581.2	15,616.5	9,906.5	5,975.3	3,083.6	2,844.5	1,623.8
Credit Card Receivables
Loans to Customers
Net Property, Plant & Equipment	45.8	46.2	69.8	46.5	20.5	20.5	25.9	6.7
Property, Plant and Equipment
Right-of-Use Assets
Net Intangible Assets	164.6	-66.7	-101.7	-215.2	-329.5	11.5	1.1	0.5
Intangible Assets
Goodwill
Goodwill	410.4	414.3	397.5	397.4	401.9	0.8	—	—
Goodwill
Long-Term Investments	96	99.4	—	—	—	—	—	—
Investments in Associates
Other Non-Earning Assets	3,572.6	2,481.9	2,474	1,353	593.7	248.6	162.1	91.2
Deferred Tax Assets
Other Assets
Total Assets	68,362.8	49,931.2	43,345.2	29,916.6	19,858.7	10,154.3	6,760	2,785.8
Total Assets

Liabilities	LTM	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18
Total Deposits	38,775.9	28,855.1	23,691.1	15,808.5	9,667.3	5,584.9	2,693.2	628.7
Deposits
Short-Term Interbank Borrowing and Repurchase Agreements	1,367.9	308.6	210.5	197.2	3	—	—	—
Repurchase Agreements
Short-Term Borrowings	3,091.1	1,730.4	1,136.3	585.6	157.3	177.2	303.3	115.4
Borrowings and Financing
Securitized Borrowings
Trading Liabilities	293.3	32.3	32.2	20.9	99.3	90.8	24.1	0
Derivative Financial Instruments
Instruments Eligible as Capital
Accounts Payable	11,999.4	9,333.5	9,755.3	7,054.8	4,882.2	3,331.3	2,976.5	1,675.9
Payables to Network
Accrued Expenses	1,469.5	1,380.1	1,573	663.6	377.4	94.6	63.5	33.4
Salaries, Allowances and Social Security Contributions
Tax Liabilities
Lease Liabilities
Deferred Income
Other Liabilities	812.2	644.2	540.4	695.1	229.7	437.4	87.1	35.7
Provision for Lawsuits and Administrative Proceedings
Deferred Tax Liabilities
Other Liabilities
Senior Preferred Shares
Total Liabilities	57,809.3	42,284.1	36,938.8	25,025.8	15,416.1	9,716.1	6,147.8	2,489.1
Total Liabilities

Equity	LTM	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18
Common Stock	0.1	0.1	0.1	0.1	0.1	0	0	0
Share Capital
Additional Paid-in Capital	5,057.6	5,053.8	4,972.9	4,963.8	4,678.6	638	631.2	389.4
Share Premium Reserve
Accumulated Other Comprehensive Income	5,491.2	2,592.4	1,433.4	-73.1	-237.6	-199.9	-19	-92.7
Other Comprehensive Income
Accumulated Gains
Accumulated Gains (Losses)
Retained Earnings	3.2	—	—	-4,890.8	—	—	-612.3	-296.7
Equity Attributable to Shareholders of the Parent Company
Share Capital
Share Premium Reserve
Other Comprehensive Income
Accumulated Gains
Accumulated Gains (Losses)
Total Common Shareholders' Equity	10,552	7,646.3	6,406.4	—	4,441	438.1	—	—
Minority Interests and Other	1.5	0.8	—	—	1.5	—	—	—
Equity Attributable to Non-Controlling Interests
Total Shareholders' Equity	10,553.5	7,647.1	6,406.4	4,890.8	4,442.5	438.1	612.3	296.7
Total Equity
Total Liabilities and Shareholders' Equity	68,362.8	49,931.2	43,345.2	29,916.6	19,858.7	10,154.3	6,760	2,785.8
Total Liabilities and Equity