Inter & Co, Inc. (NASDAQ:INTR) Q4 2023 Results Conference Call February 8, 2024 11:00 AM ET João Vitor Menin - Chief Executive Officer Santiago Stel - Senior Vice President of Finance and Risks Alexandre Riccio - Senior Vice President of Retail Banking Thiago Batista - UBS Tito Labarta - Goldman Sachs Mario Pierry - Bank of America Yuri Fernandes - JPMorgan Neha Agarwala - HSBC Brian Flores - Citi Throughout this conference call, we will be presenting non-IFRS financial information. These are important fina ...

G Consolidated Financial Statements As of December 31, 2023 and 2022 winter&co Consolidated Financial Statements For the year ended December 31, 2023 Contents | Management report | | 2 | | --- | --- | --- | | | Report of the independent auditors on the consolidated financial statements | 4 | | Consolidated balance sheets | | 9 | | Consolidated income statements | | 10 | | | Consolidated statements of comprehensive income | 11 | | Consolidated statements of cash flows | | 12 | | | Consolidated statements of ...

Congrats on the ROE improvement in the past quarters. I have one question here. In the CEO letter, at the press release, you mentioned that interest is currently ahead of schedule with respect to the 60-30-30 goals for 2027, right? So do you believe it's just a matter of time of doing more of the same to get there? Or do you still need to come up with new products such as overdraft or expand in other geographies such as U.S., right? So it would be great if you could share with us where do you think you are ...

+1.5 mm QoQ Launching Releasing Operational & Innovative EARNINGS PRESENTATION | 2Q23 / Engagement BANKING & SPENDING CREDIT SHOP INSURANCE INVEST GLOBAL LOYALTY CEO Overview Banking Transactional Platform Financial Performance Closing Remarks Appendix 7 Business Model Cards + PIX TPV1 In R$ Billion 60 .0 62% 62% 61% 58% 55% 54% 54% 55% 54% 53% 38% 38% 39% 42% 45% 46% 46% 45% 46% 47% 8 9 12 14 14 16 17 19 18 20 37 58 80 94 97 118 138 158 163 177 44 67 92 109 111 134 155 178 181 197 0. 0 10. 0 20 .0 30 .0 40 ...

Santiago Stel Thank you, Xande. Good afternoon, everyone. Now let me walk you through the financial performance section. In the context of the quarter records, revenue is certainly one of them. We reached BRL 1.9 billion of gross and BRL 1.2 billion of net revenue this quarter. In terms of growth, it's interesting to notice the acceleration of 12% in net revenues in a single quarter marking the strong momentum of our franchise. Another important highlight is how balanced NII and net fees grew side by side, ...

Unaudited interim condensed consolidated financial statements As of for the twelve-months period ended September 30, 2023 Contents Management report 2 Report of the independent auditors on the condensed consolidated interim financial statements 4 Consolidated balance sheets 6 Consolidated statements of income 7 Consolidated statements of comprehensive income 8 Consolidated statements of cash flows 9 Consolidated statements of changes in equity 10 Consolidated statements of added value 11 Notes to the conden ...

EXHIBIT 99.1 1. THE ISSUER'S ACTIVITIES 1.1. The issuer’s history Briefly describe the history of the issuer Brief History of the Issuer - From Intermedium Financeira to Inter&Co, Inc We were founded in September of 1994 under the name Intermedium Crédito, Financiamento e Investimento S.A. ("Intermedium Financeira") and began operations in 1995, providing personal loans to individuals and working capital loans to small and medium-sized companies. From 1995 to 2007, we operated mainly in the state of Minas G ...

Unaudited Condensed consolidated interim financial statements as of for the three-month period ended March 31, 2023 Contents Management report 2 Report of the independent auditors on the condensed consolidated interim financial statements 4 Consolidated balance sheets 6 Consolidated statements of income 7 Consolidated statements of comprehensive income 8 Consolidated statements of cash flows 9 Consolidated statements of changes in equity 10 Consolidated statements of added value 11 Notes to the condensed co ...

As filed with the Securities and Exchange Commission on April 28, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to ...

inter Staying away from the comfort zone Quarterly Earnings Presentation August 2022 Inter's Latest Milestone Inter&Co Nasdaq Listing First ever conversion from Brazil to US Inter&Co now part of the Nasdaq family Another milestone on our history of re-defying boundaries 2 Quarterly performance highlights 20.7 mm Clients +73% YoY growth R$1.5 bn Revenues1 +130% YoY growth R$19.5 bn Gross Loan Portfolio +56% YoY growth +46% YoY growth 2Q22 R$25.9 bn Funding R$32 Monthly ARPAC +16% YoY growth R$14 Monthly CTSA ...